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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! It looks like you've got every right to reclaim these charges, with or without their error. Th
  2. As advised above, it's best to post in the Halifax forum once you start out on your claim process. Keep to one thread for all your questions and progress and to inform us that you've won! In the meantime, you use the advanced spreadsheet if you are claiming back interest on charges. Follow the instructions in the sheet and also read the thread at the top of the General forum for more help. Any specific spreadsheet questions are best asked in that thread.
  3. Have a look at the posts at the top of your bank's forum - there's usually a post there with all the useful addresses.
  4. Excellent news - well done! Have you filled out the Bank Charges Refunds Survey yet?
  5. I continued my claim for the missing interest and got awarded 50% of it. Judgement arrived in the post today.
  6. Start a thread in the Abbey forum and read up in there - there's lots on the 'microfiche argument' and how to counter it.
  7. If you haven't done already, you should get in touch with the CCCS to help you sort out your unsecured debt - they are free, confidential and impartial.
  8. Make sure you are well prepared just in case. For my case the bank didn't even turn up and I received a copy of the Judgement in the post this morning. Just waiting for them to pay up! By the way - now's a good time to be posting in the Barclays forum rather than continuing in here.
  9. Assuming this is for a bank account... For each month after the date of the first charge, enter the interest debited. Enter the balance on that date if it was overdrawn, otherwise enter the lowest balance (highest overdraft) since the previous interest debited date. Don't try and line up the interest with the charges - you don't have to align the charges with the interest. If it's for a credit card, see Vamp's posting #534 above.
  10. A court will not award compensation above the refund of fees and interest, plus (descretionally) the 8% s69 interest. To claim anything else you must show evidence of provable loss.
  11. Have you informed them that the balance is in dispute? They shouldn't be taking any form of action on the account once they've been notified of this.
  12. If that's what they are doing, why can't they explain it in their letter, rather than trying to confuse people over the amount?
  13. Excellent news - well done! Have you filled in the survey yet?
  14. It is essential to make sure that everything you are claiming for is in the PoC. You might be better off with form N1 and file it at the local County Court in person. You get more room to write and a separate section just for the breakdown of the claim values.
  15. You can go after business charges, but the rules are different. Back to the FAQs for you, I'm afraid!
  16. Well done! Have you filled in the survey yet?
  17. Go for it and reclaim these unlawful excessive bank charges! Start a thread of your own in the RBS forum for the best advice and support from fellow claimants.
  18. Give them a quick call and remind them of their obligations under the DPA, and when their time expires.
  19. Usually the repayment would lower the balance outstanding first, with any remaining balance returned to you.
  20. 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! Have a look in the Mortgage companies forum for advice on ERCs and related issues. Post a thre
  21. You should have the opportunity to close the account if you don't agree with the changes - they should give adequate notice to allow this to happen smoothly. You'd have to read the original Ts&Cs to see what rights you have in this situation, as the things I mentioned might only be applicable to personal account.
  22. The judge let me plead my case and awarded 50% of the s69 interest.
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