Hi all! Just a quick one for a little advice. I got a letter from the county court with a date for "Pre Hearing Directions". little confused. Does anyone know what this is? Is this the "big day" when the judge will decide who wins? There are 2 pages. The first titled "General Form of Judgment or Order" says: Before DISTRICT JUDGE XXX sitting at the courthouse. IT IS ODERED that this matter be listed for pre heaing directions on (date & time) The 2nd page titled "Notice of PRE HEARING DIRECTIONS" says: TAKE NOTICE that the PRE HEARING DIRECTIONS will take place on xxxx when you should attend. Please note: This case may be released to another Judge, possibly a different court. No details regarding sending in documents etc. Can ayone explain what this means? Thanks

Hi All! Long time no post! So, here's where I am...... I wrote back to Barclays and refused offer. Then started my claim online. They defended and I eventually received my allocation quationnaire. Serached the forums and found details for completing this. Just completeing the form now and will have it back to the court some time soon. Good luck everyone!

I honestly did (honest). Was just back in there now, but why did it take me so long to see **FAQ** and click the link!? Ha ha! Anyway, then found the step-by-step instructions which I had seen before. No excuses, I'm being an idiot You have been most helpful (but don't go away!....) I will file my claims asap. Cheers a lot

Just been reading through the forum this evening to try work out what I need to do! i also need to put in a claim for HSBC too cos they're up to their tricks! Sorry to be a pain, but can you advise where is best to look/start etc? I've printed out the guide notes for moneyclaim etc and trying to understand things from there. Thanks again

Just drafeted the following: I refer to your letter dated [date]. I am writing to advise you that I do not accept your offer of £x as full and final settlement for charges placed on my accounts. Please be advised that I will now begin court proceedings as previously advised. Yours faithfully, Do you think this is Ok?

Erm, 1 Cheque, 1 Standing order. Wouldn't mind but the cheque was guaranteed and i paid the additional money in at 9am when the branch opened (never had a prob in the past if I did this, even if a cheque wasn't guaranteed)! Since then the company who got my cheque back then put through a card purchase on my debit card (without my authorisation) for the amount of the cheque (they had an imprint of my card on the back of the cheque). I know this isn't allowed, and this company hasn't sent my cheque back. Vampiress - thanks for your help, and sorry about the different threads

Hi all! Here's where I am up to with my claim..... Looked through statements and added up the charges. Sent off both letters (the request for repayment & LBA). I have this week received a letter back from Laurence White (pp'd by M E Kelly) offering a good will gesture of approx 50% of my claim. This all seems to be standard from what I have read on other posts. So, my next step....... do I write back and say I accept it as PARTIAL settlement (and amend the acknowledgement form) and advise I will pursue the rest, or do I write back and say I don't accept it as it isn't the full amount and therefore I will begin court proceedings? (and should I give them another 14 days, even though they have now had over 28 to settle this?) From what I've seen, barclays seem to withdraw their offer if you don't accept as a "full and final settlement" so I'm I just wasting my time with option 1, and therefore should I just go for option 2? Thanks in advance

Hi I've had the same from HSBC - sent the 2 letters, both times they've replied saying they aren't going to give me a penny and "how to make a complaint" etc. Now just need to file my claim online - I hope I have similar success with an offer - I'll be watching your case to see how the interest part goes..... Cheers

hi elsinore, thanks for replying. the form says: "I Confirm my acceptance of Capital One's offer of late payment and overlimit fee refunds totalling £xxx. This action by Capital One is accepted by me as closure of my complaint about the fees added to my account Signed ................ Dated................." Now, on the letter itself it says: "I've reviewed your account and, as a matter of goodwill, I'd like to reduce the fee's we've added to your account to £12. So I can do these refunds totalling £xxx, please sign and return the settlement form I have included. Once I get it back I'll add these refunds to your account" My concern was that even though they have offered £xxx (which is all of my charges, and therefore a typo by them!), if I accept it and they charge me in future (which in this letter they say they will if I am late paying or over the limit), do they see this as me agreeing that they are justified in charging me £12? Should I write on the form or attach a letter saying something like: "I accept £xxx as payment of late & overlimit charge on my account as set out and requested in my letter dated xx/xx/xxxx." Thanks in advance

Hi I have sent my request for refund to Cap 1 and have today received a letter back from them. It's the usual "we think £12 is a fair charge therefore we will reduce the fees and give you £x back....." and enclosing a page to sign as acceptance of offer. They have actually offered the total amount I am claiming from them, which is great for me because I can just accept it! However, if I sign the form, will this make me unable to claim any charges back they may add in future? Should I write on there that I accept the full refund for past charges? This amount is not including any interest charges I may have had added on over time. Do I need to decline and pursue for interest back? Thanks in advance

Well done! That's fantastic!

Had an incident recently where Barclays have charged me 2 x £35 in one day for returning 2 items (one of which shouldn't have been returned anyway, so was a mistake!). Then I got a letter saying "we've charged you £35 for this item (only referring to one item) and we will only charge you £35 once, each day on each account". Phoned them up and after being on hold for about 20 minutes while the call centre guy scratched his head and called someone who knew a *little* more about banking than him, I was told by the second guy "you were charged twice because they were both different payment types". Basically even though I was telling him what the letter said, he was still confident that I was being charged because they were 2 different payments types. According to this guy, if they had both been Direct Debits for example, I would have been charged only one £35 charge! I told him how bad this was and that the letter didn't support what he was saying. I demanded both charges back, which at first he refused. Then I basically said I wanted both back, and if I didn't get them both they were both being included in the amount I was going to claim from them as they are illegal charges. It was like the penny dropped, and immediately the guy turned "human" (or as human as he could be!) and refunded both charges. I've looked back on my statements (I've already sent LBA out this week) and there were another 2 cases where this happened. Not a legal person, but I assume that if needed, people could use this breach in "Rules & Regulations" (or whatever you want to call them) if you need to in court. I've read the odd one or two threads on here where people have noticed they've been charged more than once in a day for returned/unpaid items, so I know I'm not alone. Anyway, thought it may be of interest to some on here. Keep fighting guy's, and good luck to you all :grin:

Typical isn't it!? The bank makes a mistake, and your just supposed to accept it, and understand that sometimes these things happen. When it's you, it's a different story. I hope people do get more money back than just their charges - in fact, people should be saying that HSBC owe them double the amount they've paid out in charges. People should be charging them. But would HSBC then send you and LBA asking for their charges back!?.....;-)

LBA posted yesterday. Will now wait 14 days for the "We're not paying you anything" letter back!

Thanks for your support. LBA prepared, and in the envelope as I type..... will be going Recorded Delivery tomorrow.... Thanks again - I'll keep this post updated

Hello all! Here's where I currently am...... and I will be needing help and advice Went onto internet banking about a month ago and looked at my past 6 years statements - for anyone who didn't know you could do this, you can! So, compiled a list of all charges made on my account and wrote my "Request for Repement of Charges" letter asking for my money back on 20th June giving them the 14 days. Got a reply from "David L Johnson" on 23rd June saying they were looking into this, blah blah blah, and have another useless leaflet! Then got another letter dated 3rd July more or less saying "we charge you because we can, it's in our T's&C's". Don't want to type out the full letter, but if anyone wants to see it, let me know and I will try scan it and post it here. They also add at the end that if they do not here from me in 8 weeks they will consider the matter resolved. So I'm now going to write my "Letter Before Action" letter, which I believe to be the next stage. Does all of the above sound familiar to people on here? Also, is there anything I should look out for/do next? I know that the bank are testing me to see if I will take this further, but any advice at this stage would be greatly appreciated. Thanks in advance

I've had a managed loan too. Same old story - loads of interest etc. Mine was done mainly due to having numerous charges on my current account, and an overdraft from my student days. I also had a time when I was unable to meet a payment for it and kindly asked for the payment date to move. I got the "Computer say's no" answer. So I asked if I could stop the S/O, and set it up a couple of weeks later when I had the funds? They wouldn't let me. No flexibility at all. So there began the downward spiral again. They wouldn't let me cancel the S/O and set it up again (I needed 2 weeks grace because I didn't have the funds!) so the S/O tried to go through, and guess what? No money, so another £30 charge. It's as if they have a licence to print money! All in all a bad experience. I know I have been paying too much, but frankly if I can get my original charges back that will make me happy. Like everyone here I've been lining the coffers for far too long.

Thanks - much appreciated

Hi I've sent of my "Letter Before Action" letter demanding my charges back. However, since sending the letter specifying the amount to repay, I have been charged again. What do I do? Do I send and additional letter stating that the amount has risen, or do I have to send the LBA letter all over again? Many thanks

Hi Sorry if this has been posted, but couldn't find anything. If I have 2 accounts with one bank, or an account and a Credit Card, can I request charges/statements for both accounts in the same letter, and only pay the one £10 fee, or would it be separate letters and £10 each time? Am I correct in thinking that I'd have to write once for my bank account charges, and separately for Credit Card charges, paying £10 for each? Many thanks in advance - BTW, this forum is excellent!