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Damon999

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About Damon999

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  1. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. I don't know as I haven't had to do this yet, but I don't see why it would need anything more than you said:)
  3. Definately hold out. They offered me a total refund of all charges, but my claim included overdraft interest on the charges that they had also taken. I held out and I'm now waiting for the cheque to arrive for the full amount
  4. I would chase them if it's been 7 days. I sent the agreement off and got a letter back saying the amount would be credited in the next couple of days but if it's not done in a week get back to them. My account is closed so like you I am waiting for a cheque. I will be contacting them once the seven days is up.
  5. Yes they do. I crossed it out and sent it off and two days letter a letter arrived from DG Solicitors saying that the money will be refunded in the next week.
  6. Well good luck with your claims. The offer was a couple of days earlier than I expected based on other threads I'd looked at so maybe they're giving in quicker;)
  7. :D :D I have received a letter from DG Solicitors today offering £1499.41 (full amount plus interest and court fee) with the usual crap about they think they would win but can't be bothered (yeah right). Anyway, success thanks to this forum (donation to follow on receipt of funds). Two more questions, can I cross out the 'keep it confidential' bit and still get the money and what do I do about cancelling the court claim? Thanks for your help everyone:D
  8. Damon999

    unwell

    You will get the charges back if you follow the advice on here. Go for it and get back what is rightfully yours. Good luck. This is a typical example of the banks kicking people when they're down. I wonder why no one likes them:mad:
  9. Yes they can. I had the same situation, and when they wrote back, they didn't even mention the offer. Just the normal stuff that they don't agree that the charges are unlawful etc. I filed on money claim for the total amount in the end. Now waiting for their defence:)
  10. I'm not sure what they include in Toal Charges, but I think they vary. The £75 is a combination of a few supposed breaches I believe as I had those sort of charges applied to my account a few years ago. In other words, if the total charges were for going over your overdraft, then if you did it three times, they would charge you three times, but show it as one deduction under 'total charges'. I think that's right anyway. Either way, you'll get them back lol.
  11. When I was offered a partial refund, I wrote back basically saying I accept this partial offer, but any amount outstanding from the total claim that's not received within 14 days will be pursued though court + 8% interest. They wrote back with the standard response of 'we do not agree with your claim' blah blah, and no refund whatsoever. So I filed for the total outstanding as promised which was my full claim and included the 8% on top. I would sugest you do the same. Any amounts received after you file, will be taken into account by the court and deducted from the total. I believ
  12. GriffinGrumbler, I have just checked my calculations and they are as per your post Thanks for clarifying it
  13. StoneLaughter, thanks for clarifying that. I confuse easily lol. GriffinGrumbler, welcome to the party. To the best of my knowledge, I have calculated the interest correctly. The account was in overdraft the majority of the time, hence the large amount of interest. I did check my calculations against their monthly interest on the total overdraft and they did seem quite accurate. I even played it on the safe side, so I think that if they dispute it and calculate it themselves, it would actually be a few pounds more lol.
  14. Thanks but what do you mean by the notified service date, is that the date it's deemed served, ie. tomorrow? The reason I said they must be dragging it out is because they now have 28 days to respond instead of the 14 they would have had if they had either ignored it or sent in their defence:D
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