Hi everyone, Having succesfully extracted £2'400 for HSBC i started again on behalf of my brother against barclays. It was all going fine with the normal nonsense and the we got an offer for 95% of what we were after about £520. He decided that this was good enough so he sent the offer letter back signed to barclays. THIS WAS 8 WEEKS AGO!!!!!! So far we have had no money and no more contact. Any ideas? Is this linked into the court case stuff. Would really appreciate any suggestions. Cheers

Hello to you all. I have recentley started a claim against our beloved bank having already extracted £3400 from HSBC but these boys are playing it different. Could you please tell me how long it has been taking to get statements sent back to us? I took the letter into the branch and had a signed recipt on 10th October and have yet to recieve anything back. Is this normal? 28 days seems excessive. Hsbc and barclays have been nothing like this long. Advice please.

I received the standard letter from Mr Shepherd about sending statements when not requested but i just carried on regardless. I have since then sent the LBA to which i received a reply after 8 days (letter in my thread). This letter is not positive at all but i have been reasurred to carry on with the timescale. Looks 99% certain i am going to moneyclaim but now we can have £600 of interest, Lovely job.

I though so but it is good to be reassurred. Thanks very much

RESPONSE LETTER TO LBA After sending my LBA i have recieved a reply which is below. Do you think this is a standard response and they are trying to scare me off? Should i continue with my timetable? Has anyone else recieved this letter? I would appreciate your help please. Dear MR Hancock Thank you for your letter dated 11 July 2006 requesting a refund of bank charges of £2584 going back 6 years. The bank does not agree with your contention that the charges that have been imposed constitute a penalty and are therefore unenforceable. The contract between the bank and its customers is governed by our Personal Banking Terms and Conditions. In respect of overdrafts, I would refer you specifically to clause 7.11 in section 2. If you authorise a payment that would, if met by us, lead to your account going overdrawn or over an agreed limit the bank considers whether or not to make this payment and a fee is payable for this service. Our fees and charges are clearly stated in our published price list and there circumstances in which these charges will apply are clearly set out in our terms and conditions which you will have been provided with a copy when you opened your account. Whilst i accept this letter will not provide the response that you hoped for, I trust i have been able to clarify the banks position. If you are not satisfied with the banks response you should now refer your complaint to the Financial Ombundsman Service, as this represents our final response on this matter. Yours sincerley Mr Colin Langdale

Having thought for the afternoon i have decided to send a letter in reply. The contents of this will be something like. Thanks for your response but i do not consider it to be positive as requested in my letter dated 28/06/2006. I am still awaiting for that and should it not reach me by Wed 12th (14 days from that date of my original letter) you will be hearing from me again. What do you think? Any opinions are more than welcome.

Well yesterday i recieved a letter replying to my first prelim letter (before interest and only one account) saying the standard answer of could you please send us a breakdown of charges blah blah blah. I decided to ignore this because i have subsiquently sent my second prelim (Including all accounts and interst) with a full breakdown of charges. Now its gets interesting! This morning i received the following letter. Dear Mr Hancock Thank you for your request with regard to information about charges and fees on your accounts for the last 6 years and please accept my apologies for the delay in our response. We note you do not want copy statements, however, this is the only format in which the bank holds the information you require. For this reason duplicate statements have been ordered on all your accounts, including your credit card. Yours Sincerely Ian Shepherd Centre Manager ______________ I dont want my statements! i have used there online facility to calculate what they owe me! Any ideas please?? Should i just carry on with the deadline (7 days left) or is this letter classed as a response. I would love to here your ideas in what they are doing.

My girlfriend has just phoned to say there is a letter from the bank at home. I am going home at lunch to see what it says. I will keep you all informed. Fingers crossed

2nd Prem Letter has been handed in for the increased amount, now over £3100. The clock is ticking againg with a new date of 28/06/06. Fingers crossed.

HAVE I MADE A MISTAKE !!!!! I took my letter to the branch yesterday but inmy haste did not check my other accounts or add on the interest. Since doing this i am now owed an extra £1000. Can i just sent the letter again with the increased amonut or do i need to do something else. Help Help Help :o

I took the ''preliminary approach for repayment'' letter to the bank on 27th June and handed it in to a very nice lady. I got to her to sign a reciept too. I am just checking that i now just have to wait? Within 14 days i should recieve a letter back and then we go from there, correct?

That is a good idea. I have checked all the statements and charges come to over 2000 pounds. I was is shock!! So i now send the other letter to where?

Here we go. I have the template and have read the forums. I am now confident and very determind. First problem is where do i send the letter asking for a list of my charges? Is there 1 national address or do i put my local branch into http://www.esd.informationcommissioner.gov.uk/esd/search.asp ? This is going to be fun