have just started looking into a friends business accounts and was wondering if i needed to send the same initial letter with schedule as if it was your personal account. If not where do i find such a letter. And can i still claim if account has been shut for a few years. Thanks in advance Mick

hi all, i was hoping to find out wether or not i could claim charges for my business account in Barclays which they shut down 4 yrs ago. i still have 01/02 statements but before i proceeded to start i wondered what my position would be. Cheers

cheers deller your a star

I have had a CPR 18 request from Cobetts, i have got the letter - I Acknowledge the receipt of the defence posted on behalf of National Westminster Bank plc. I am not prepared at this stage to answer the CPR Part 18 Request. I anticipate that the claim will be allocated to the small claims track and would not then expect to have to deal with a Part 18 request since these are specifically excluded under Part 27 unless the court specifically orders me to do so of its own initiative Furthermore I consider that the CPR part 18 request is intimidatory and I intend to bring the intimidation to the notice of the court. However, for clarity, I confirm the charges I am claiming were applied to the following account: Account Name: Account number: Sort Code: Please also find enclosed a breakdown of all charges I am claiming. Yours Faithfully but does this cover this part 2:2 in relation to each charge, please clarify the following (a) is it the case of the claimant the same should not have been charged? (b) if yes please explain why the claimant contends that the same should not have been charged? ©If no, is it the case of the claimant that the same should not have been charged in this amount? (d)if yes please explain why the claimant contends that the same should not have beem charged in this amount and identify the sum the claimant contends should have been charged (e) if no please state the claimants case. 3 In your claim you state that the charges are "unforeceable under the UTCCR 1999, the UCTA 1977 and the common law. 4. Plaese specify all of the facts relied on by the claimant in support of the contetions in paragragh 3 above, and in pareticular please identify (a) the sections of the UCTA 1977 (b) the regulations of the UCTCR 1999("the regulations) and © the principles of common law relied upon by the claimant in alleging that the contractual provisions referred to are unenforceable. Please also identify the contractual provisions that the claimant alleges are unenforceable by reference to UCTA? the regulations. Sorry this post is so long but as you appreciate i need to make sure i dont make any mistakes here. Must answer this week. Thanks in advance Mickey Hill

Hi Mickey, I note that you received an offer from your branch for 50% of the charges, i am at LBA stage so thinking of sending this to my local branch manager?! Is this what you did to get initial offer? Cheers I got my offer after the 1st letter, which was sent to the customer relations manager but recieved offer from local branch. My partner recieved hers from person we sent it to but as yet has not recieved any offers. She sent LBA to CR manager again and me to the local branch, both got replies from Stuart Wigley, me re offering the 50% and her nothing. So you might as well send LBA to CR manager as it will be passed to relevant Dept anyway.

The time for talking ends here, today i start the MCOL for myself, my partner and also our joint. As we are now adding the interest onto the claim do i now need to send a copy of the schedule with the interest as they have only had it without it on before. Thanks for responses in advance.

cheers.

Right b4 i do this all the letters i have sent have been about my 2 accounts with natwest, i have sent 2 seperate schedules but have included them both on my letter, showing the total for the both accounts together. Do i need to have seperate claims for the accounts or can i put the two accounts into the one case. AGHHHHH, i wish i was legally minded. I also have a joint account we are doing and my partner has 2 accounts so we will be busy as hell on MCOL.

ty very much. Should i now add the 8% interest onto the schedule and send this new schedule to the bank before the claim starts

I have registered at moneyclaim and am wondering how best to describe the particulars of claim so that it makes sense and that i dont miss anything out. Any help would be very much appreciated.

ty. will start moneyclaim ball rolling and when i get back of hols next week they are going to pay me for a change. I will donate as soon as i recieve my cheque i promise, i would be nowhere without this site. Mick

Send back to him i think, have just had my reply from LBA from him. If you want to see reply have posted in Mickey against natwest.

Myself and my partner sent our LBA to natwest just 3 days ago and have got the reply today which reads I Regret that there is little i can add constructivley to previous comments but having reviewed your account i can find no instance where charges have been applied when they were not properly due. They have all been associated with a lack of covering funds in the account at the time they were presented for payment. Accordingly the charges that have been applied to your account should stand. That said, in hope of forging a compomise and settlement with you an offer of £1605.50 was proposed by our Llanishen Branch as a gesture of goodwill and without admission of error or liability. This would be paid on the basis of a full and final settlement. I know you have declined this offer but it is not to be increased. If on reflection you decide to accept the offer please return to the etc Much of the recent media coverage on bank charges has been fuelled by the office of fair trading investigation earlier this year, but that was limited to the administration charges on credit card accounts and did not extent to include bank charges. We have considered the office of fair trading statement of 5th April 2006 and do not accept its findings in relation to the setting of credit card fee's. We are concerned that the office of fair trading has publicly called into question the setting of charges applied to other products, including current accounts. The office of fair trading has restricted its investigation to credit cards and made no attempt to consult with RBS group or the industry in relatio to other entirly different products. Its dissapointing you are considering legal action, etc... Stuart Wigley Customer Relations Starting to get twitchy now and dont know wether to accept or go all the way. They haven't offered my partner anything for her account, which makes me feel that i should fight the both claims and joint account all the way. What should i do ????

Well after 15 days of initial letter going in i recieved an offer of about 50% of claim. Am now going to send refusal letter, should i get moneyclaim started straight away or see if they come back with better offer 1st with the threat of court being given in this refusal letter. Any ideas on what to say in refusal letter would be extremely gratefully recieved.

ty, should i hand deliver and get proof of delivery