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thewifeandI

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Everything posted by thewifeandI

  1. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!
  2. Just edit the one you found to suit the situation - you can always post a copy of your version here for checking / advice, etc. Make sure you blank out any personal info, like name, address or account no. Probably best to be posting in the forum for your bank for best advice anyway.
  3. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!
  4. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! This is pretty standard from any of the banks - they attempt to put you off as early as possibl
  5. Hi - it depends on the spreadsheet you are using (compound contractual, or standard interest) and when the bulk of of your charges occurred. The more recent ones will have less interest than older ones. It's not easy to give an average figure as everyone's circumstances are different. £381 on £2000 doesn't sound excessive to me.
  6. Yes you can. It might also be worth reminding the bank that the Banking Standards people have already advised banks not to take retaliatory action by closing accounts.
  7. Sorry - just checked - 'acknowledged' has the same effect.
  8. It goes to 28 days (since served) once they file to defend.
  9. Don't do anything with that! - it's for when the 14 days is up without a response from the bank
  10. Excellent news - please don't forget the survey! Well done!
  11. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! Apologies for the slowness of the site today - recent publicity has made us very popular!
  12. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! Apologies for the slowness of the site today - recent publicity has made us very popular!
  13. Well done for taking the first steps in recovering your unlawful penalty charges. Start a thread in the Halifax forum to track your progress and ask questions in.
  14. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! Apologies for the slowness of the site today - recent publicity has made us very popular!
  15. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! Apologies for the slowness of the site today - recent publicity has made us very popular!
  16. You have to claim as a business - be aware that the statutes are different, so make sure you read up in the FAQs very carefully. You can't use the DPA or the Consumer Credit Act for example. There are business versions of the letters in the templates library.
  17. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! Apologies for the slowness of the site today - recent publicity has made us very popular!
  18. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! Apologies for the slowness of the site today - recent publicity has made us very popular!
  19. You still have the right to reclaim the rest, so pursue it if you want to.
  20. You can ask, but there's no obligation to compensate you - most banks won't compensate even when it is entirely their fault! Probably one of those cases where the Ombudsman may help.
  21. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! Apologies for the slowness of the site today - recent publicity has made us very popular!
  22. Well done for getting started - start a thread in the Co-op forum to track your progress and ask any questions in.
  23. Well done - it is important to remember that what you settle for is down to you, it's your claim. We advise going all the way and getting everything back, but if you get an offer that you're happy with and you have the need for the cash then take what's on offer. Please fill out the Bank Charges Refunds Survey to keep our figures up to date.
  24. This is a service charge rather than a penalty, so it isn't covered by penalty charge recovery actions. It probably costs quite a bit to set up a mortgage (maybe not as much as they charge, but they are allowed to make a profit) but I don't think there's much you can do about it.
  25. Hi - for best help on these, copy this post into the DCA/Bailiff forum.
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