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rscott1979

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About rscott1979

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  1. I'm moving about 50 miles away. I've not diverted my post as where i live now someone who I know and trust will forward any mail onto me. I have not started the court process and will leave it till after I have moved. Before I had read the reply to my first message I had phone the Court Customer Services on 02071892000. I had a few questions... 1/ do i pay fees up front? Answer - Yes I do 2/ If I win what will I receive? Answer - my money I am claiming plus the court fee 3/ If I loose what do I have to pay? Answer - Minimal payments 4/ HOw long can I wait before I start court proceedings? Answer - 6 years from the first date of money owed. Thank you all for your help and I hope this helps other people.
  2. Thank you for your help, that has relieved the anxiety i had. I will start proceedings asap after I have settled in. Thank you again
  3. Can anyone help? I will be moving house in a week or so. I thought the banks would have paid up by now but a couple have not so I need to start court proceedings. How long can I have between receiving their letter saying they won't pay and going to court? If there is a time limit and I go over it do I need to start again? Would sending the banks a letter informing them that I am moving address but after I have moved I will start court preceedings be a good idea? Aaaargh! I suppose a bit of bad timing on my part should have waited till after I have moved. Please can someone help me
  4. Thank you. I am using email as another part of a 'paper-trail' so there excuses for not recieving information can be defiled by 3 approaches (email, phone and letter). letter is my main contact and the others are back up. Thank you again
  5. Hello everyone in a similar boat. I have back dated statements from RBS and worked out how much they have taken from me (£86). Not a lot but it helps. Befroe i take action i am asking for advice. I am thinking of using the following contacts *0800 015 5035 *Tommy McLean Customer relations customer central support first floor the fourthstone 56 south gyle crescent edinburgh EH12 9LE 0131 523 5116 Does anyone agree or disagree with these contacts. Also does anyone have a email address for RBS? Thank you in advance
  6. Hello everyone in a similar boat. I have back dated statements and worked out how much lloyds have taken from me (£157.50). Not a lot but it helps. Before i take action i am asking for advice. I am thinking of using the following contacts *contact.us@lloydstsb.co.uk *Head office 25 Gresham Street London EC2V 7HN *0121 600 3222 Does anyone agree or disagree with these contacts? Thank you in advance
  7. hello everyone in a similar boat. thi sis not my bank it is my wife's and i eventually managed to talk her into claiming back the charges. It is astounding how much they have charged my wife in 16 months; £813.84. before we take action we are asking for advice. We are thinking of using the following contacts *customerrelations@hsbc.com *Mr David Lewis Head of Consumer relations level 36 8 canada square london e14 5hq *020 7991 8550 Does anyone agree or disagree with these contacts? Thank you in adavance
  8. Hello everyone in a similar boat. I have back dated statements and have worked out how much they have taken (£300). before i contact them i am asking for advice. I am thinking of using the following contacts *customerrelations@halifax.co.uk *01422 333 880 *Sarah Briggs executive office halifax PLC Trinity Road halifax HX1 2RG Does anyone body agree to these contacts or have better ones? Thank you in advance
  9. Hello everyone who is in the same boat. It has taken a while for me to get information from Abbey but they say i should receive the info in a couple of days. So far using statements which i have found they have charged me £137. Not a lot but it will help as this is one of 5 banks which i pursuing. I am thinking of using the following contacts for Abbey *complaints@abbey.com *Antony Turbitt manager of banking services customer services (banking) PO Box 297 Bradford BD1 1BR *0161 951 6500 Does anyone think i should use different contacts? Thank you in advance.
  10. Thank you for your help i will now start a thread for each one. Although i am waiting on one more bank but there is no rush. Thank you
  11. Hello everyone I found this website through moneysavingexpert.com and it is great. I am currently in debt and sorting through it but when i found that i could get money back for charges it lifted a weight of my shoulders. Although the amounts i will be claiming for are not of great value they will reduce the debt; which is helpful. I have contacted banks for back dated statements, some of which i have received. There are 4 banks which i am chasing, 3 for me and 1 for my wife. I have currently added up the charges for 2 of my banks and am still waiting from 1. Bank 1 has charged me £300 over 4 years, bank number 2 has charged my £157.5 over 5 year, bank 3 don't know yet, and my wife's bank has charged her £709 in 1 year. What i find interesting about these charges are that they do not seem to be consistant, well in my case anyway. Although the activity of my bak accounts could have caused more charges - none were applied. Anybody got a reason for this. I have not started the proceedings yet - just preparing. Typing the letters and producing a matrix of charges. Also am waiting for my wife to change her bank. Maybe in a week or two i will start by making the phone call after i have collected addresses and phone numbers. Anyway, nice to meet you all and hope we are all successful in beating the banks. Good luck everyone. Richard
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