Hi Freddy

Welcome to the CAG forum.

Start by clicking my link below to read the FAQs (step by step guide)

Then do lots of reading in the Yorkshire Bank forum. When you are ready start a thread in the Yorkshire bank forum and tell us your story.

Loads of luck to you:)

Hiya Hunnbun

Well, that was short but sweet!

Welcome to the CAG forum.

Please start by reading the FAQs, (step by step guide). click my link below to go straight there.

Read up alot in the forum of the bank you will claim against and then start a thread of your own in that forum.

Loads of luck to you:)

Good Luck Emma:)

All you can do now is wait........................

I'm assuming the acknowledgement stated that they would defend?

Hi there Hidden Angel

You are quite right about the Royal Mail track and trace service, exactly the same happened with my DPA letters sent to Natwest, in fact according to Royal Mail, they never got delivered! However, clearly they were because I got my statements soon after.

Just a word about the £10 DPA fee, some banks charge you £5 per account for all statements BUT this is not full DPA disclosure and you will not receive any additional info. In most cases this is absolutely fine but is worth knowing for those cases where you need to access all info on your accounts. Also the £10 fee applies to all data held about you on all accounts by ONE organization, NOT per account, so your £10 fee would have covered both accounts anyway.

Wishing you loads of luck

Hi SquarePeg

I wouldnt panic too much, they always cross reference your claimed charges against their own records at some stage. However, when you send your LBA, send it with the 'blue' "Charges and Interest" sheet and the 'green' "Interest Daily" sheet.

Do not use the Section 69 8% Interest sheet at all if you are claiming contractual interest. Unless when it comes to court stage your claim offers an 'either/or' Contractual/Sect 69 element. You can't claim both, just either/or.

Hope this helps

Good Luck:)

Welcome to the CAG forum.

Head office is usually the best place to use to communicate with your bank, send everything recorded.

You can use a £10 postal order, or give a friend a the cash and 'borrow' a cheque. It doesnt have to be a payment from the disputed account.

Postal orders are difficult to check if they have been cashed, so cheque payment is preferable.

Please try not to use the words like 'robbed' or 'stolen' etc. We are not exactly popular with the banks as things stand, so we try not to say things that could be considered libel.

Good luck

Hi dialatiler

Welcome to the CAG forum.

It sounds like you have got things pretty much under control, but please do as much reading up of Barclays threads as possible. Also start your own thread in the Barclays forum and you will get lots of help.

Good Luck:)

ps...do you do tiling btw!?

Hi Peg

Welcome to the CAG forum.

Ok, yes, now is the time to file your claim. Add on any recently incurred charges, just send your bank an updated spreadsheet with covering letter, but proceed with filing.

Dont worry too much about the track, as I understand it, the amount of charges is the part that determines track, the 8% interest is regarded seperately, however, not all judges see it this way!

The reason I say don't be concerned is because, your claim will be settled well before court, so there is zero likelyhood of incurring costs.

This is the amount they owe you, thousands of people have claimed before you, your claim will be settled just like the rest.

Loads of luck

Hi Patriciago

Welcome:)

The first step is to read the FAQs. start with the step by step bit.

Yes you can reclaim all charges over 6yrs, you havent left it too late.

After you have written to the bank twice asking for your money back, if they havent refunded, then you can sue using the Online Court, Moneyclaim.

With a low amount like £600, they'll probably pay up soon though.

Thousands of people are reclaiming, it wont affect your chances at all. you WILL get your money back.

Dont worry about the banks...they'll be just fine!

Start a thread of your own in the Natwest forum and people will come and give you specific support.

Loads of luck and best wishes xxx

excellent progress helen:D

good luck chasing those missing statements.

this is a great number for chasing missing NW statements, i had to use it several times! 08456052605

Hi Dave

It is best to send correspondence to

NATIONAL WESTMINSTER BANK PLC

135 BISHOPSGATE

LONDON

EC2M 3UR

by recorded delivery

Use the template and add your own account details, but I would not alter it in any other way.

I made 2 seperate claims against Natwest and they havent closed the accounts.

Good luck

Hello Amy

No, you havent left it too long but I personally would suggest that you send a final LBA before you file your claim, give them a final 14 days to settle.

There has been quite a bit of progress with charges and some banks have started paying out quicker, so you never know.

Use the time to prepare your court claim and file it the moment the deadline is up. That way you can add section 69 County Courts 8% interest which will now be a higher amount given the delay.

Oh and update any spreadsheets and include them with your letter to include any new charges you have had since September.

Start a thread in your banks forum and keep us posted with your progress.

Loads of luck:)

Hi rightfully

I have to check...did you send by recorded delivery?

If so, no probs, it will have been deemed received 2 days after posting and the 40 day clock starts ticking. Dont worry if they havent cashed the cheque yet, sometimes that fact helps prove receipt of DPA but otherwise is irrelevant to whether they comply with your request.

Good luck

Hi Lips

Welcome to CAG.

Start threads in each forum for each company and you will get step by step assistance.

Click my link to read the fAQS

Good luck

Hi Ebo

Ive had 2 claims against NW. The first for £3500, received back in November. I immediately started a second claim for my business account, which had an overdraft of 3k. I got back £800 after sending just the prelim letter. They didn't call in the overdraft.

Also there have been some huge NW payouts recently that have been settled without even filing a claim, I suspect your case will be wrapped up very quickly. Here's hoping.

Good luck

Hi there theraf....

could you post this query in the Debt forum, as you will get more attention and help there.

The lack of credit agreement looks promising.....

good luck

Thanks for confirming that it's the court that can ask him to fill in a financial statement, he doesnt mind doing it for the court but does not want to fill one for Go Debt, until they take him to court.

In amongst his paperwork from YCC and Go Debt is a proper signed copy of the credit agreement, so I assume this means its pointless sending a CCA.

He had paid less than a third of the value of the vehicle when it was repossessed.

I will check further on the PPI angle.

Thanks again xxx

Just a quick query

A friend of mine has been in 2 yrs plus of negotiations on a debt from YesCarCredit.

A familiar story I understand, he couldn't keep up payments on YCC finance due to a back injury, despite paying PPI, his self employed status prevented claim.

YCC repossessed car, sold it for 2k when it was worth 6k, then no communication for 6 months, then YCC demanded 6.5k.

Unsurprisingly my friend declined to pay and his debt was eventually transferred to Go Debt.

He has been negotiating with Go Debt for over 2 yrs.

He offered 1k, (spread over 6m) they declined.

They offered 1.5k lump sum, he declined as he couldnt afford.

There was one period where they didnt respond to his letters for 14months.

But now they are demanding the full 6.5k, not interested in offers and threatening court.

He is now in a position to offer 1.5k but can't get them to agree.

They have sent him a form to fill in, detailing his financial circumstances, he has written back refusing to fill this in and has 'demanded' they take him to court as he has had enough.

2 specific questions.

Can they ask him to fill out the statement of financial circumstances?

Can they force him to pay 6.5k when they previous offered was 1.5k and their communication in between has been terrible?

My friend has a copy of the signed CCA from Go Debt and all looks to be in order, so no options there:(

Congratulations Gizmo!!

Oh boy are you buying the drinks next time!

Hi PeedOrf

Congratulations on your win.

I'm curious.....what happened in between? Did you receive a defence? Allocation questionnaire?

Thats a fantastic result, Well Done.

Wow! Alexjayne thats a fantastically fast result.....it took me nearly 5 months to get a similiar amount back last year.

Well done and Good Luck with your other claims:)

THIS IS FOR COMPLETING THE N1 FORM

http://www.hmcourts-service.gov.uk/c...ms/n1_0102.pdf

------------------------------------------------------------------

At the ........................ Court

Enter your local County courts name

------------------------------------------------------------------

Claimant

Quote:

YOUR NAME AND ADDRESS

Defendant

Quote:

THE BANKS NAME

THE BANKS REGISTERED OFFICE ADDRESS

TICK NO TO HUMAN RIGHTS ISSUES

-----------------------------------------------------------------------------

Brief Details of Claim

Quote:

Money claim for return of penalty charges applied to the Claimants bank account by the Defendant

-----------------------------------------------------------------------------

Value:

Quote:

Charges £xxx.xx

Overdraft Interest £xxx.xx

Interest under s.69 County Courts Act 1984 £xxx.xx

Court Fee £xx.xx

TOTAL £ xx.xx

Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day {(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day) }OR at such rate and for such periods as the court deems just.

--------------------------------------------------------------------

Quote:

PARTICULARS OF CLAIM

1. The Claimant [has] [had] an account1 ("the Account") with the Defendant which was opened on or around 2 [and closed on or around 2 ]

2. During the period in which the Account [has been] [was] operating the Defendant debited numerous charges to the Account in respect of purported breaches of contract on the part of the Claimant and also charged interest on the charges once applied. The Claimant understands that the Defendant contends that the charges were debited in accordance with the terms of the contract between itself and the Claimant.

3. A list of the charges applied is attached to these particulars of claim.

4. The Claimant contends that:

a) The charges debited to the Account are punitive in nature; are not a genuine pre-estimate of cost incurred by the Defendant; exceed any alleged actual loss to the Defendant in respect of any breaches of contract on the part of the Claimant; and are not intended to represent or related to any alleged actual loss, but instead unduly enrich the Defendant which exercises the contractual term in respect of such charges with a view to profit.

b) The contractual provision that permits the Defendant to levy such charges is unenforceable by virtue of the Unfair Terms in Consumer Contracts Regulations (1999), the Unfair Contract Terms Act 1977 and the common law.

5. Accordingly the Claimant claims:

a) the return of the amounts debited in respect of charges in the sum of £ 3 and any interest charged thereon;

b) Court costs;

c) Interest pursuant to section 69 County Courts Act as set out on the attached list of charges or at such rate and for such periods as the court deems just.

6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act (1982).

I believe that the contents of these particulars of claim are true

Signed: DON'T FORGET TO SIGN IT

Date:

.

As you can see, 'our' POC is slightly more detailed!

Hi teeze

Can you type out the exact wording of your Particulars of Claim please?

hi snaithy

welcome to the forum

you've done the hardest part, you found this website!

I reclaimed back approximately 4.5k from Natwest and it was really easy.

3 letters, a court form and an allocation questionnaire, then I had my money.

You really can do it. Just think of having all that 4k to spend on yourselves. Most of the companies that have jumped on the 'reclaim bank charges' bandwagon are run by amateurs with no legal qualifications or insurance whatsoever and they will take between 20-40% of your claim.

Spend some time in here, its very friendly, you'll learn loads and feel so much more in control of your finances.

Please, please please please please handle your claim yourself!!

Click the link below my signature to read the FAQS, start with the step by step section.

Good Luck:)

Hi Pommy

Welcome to the CAG forum.

Lloyds always say their charges are unfair and that you should complain to the ombudsman.

Ignore it and send your LBA.

If your claim is under 5k then it will fall into the small claims track and you are at no risk of costs against you.

Click my link below to read the fAQs and familiarise yourself with the court stage of your claim in case LLoyds dont settle after your next letter.

Also, start a thread in the Lloyds forum, then you will get specialised help from fellow lloyds claimants.

Good luck