Brilliant

Hi everyone, basically I work for a well known energy supplier and with a fair few customers the conversation turns to them being overcharged for having a DD fail, so I've been passing on the message about this place to them all, hopefully got some new members!

No letter or anything but they just put £200 in my bank account. what should I do?

Still no phone call/letter from them. Last letter I got a reply within 3 days.

I'm awaiting a letter, seems everyone else has had one so far.

Thanks chaps

LBA sent yesterday, reckon it's worth giving them a call?

I don't want to reveal where I got it from, sorry but thank you for putting my worries to bed, when I emailed them yesterday with my LBA I attatched my phone number so just see what happens now!

from a user from another forum who works for a bank "Here is how it work in the real world. You have GBPx.xx or more on depo with a bank, we charge you a DM (discretionary managed) or AM (advisory managed) fee and it takes your account overdrawn. You have excellent credit rating and you have excellent potential worth. Looking at your actual asset worth against potential worth you are an ideal customer, in which case we will happily waive charges. You have a poor credit rating, you went overdrawn into unauthorised overdraft and incurred agreed fees (the person who said he signed nothing must be delirious). You then issue a court action against us? The majority would say "bring it on" and tbh 99.9% will take you to the very limit in accepting a court order before (and this will be 5% of banks) dropping out at the last moment. Its basically not standing for any crap (as a bank) and testing your resolve (as a customer) , some banks will fold, most after the concessions wont. The implication is "take us to court at your time and expense for GBP700", if we lose then so what its considered a minute P&L "claim". If its a win then you should be prepared to pay a few thousand (I'd estimate at least £5K in costs)." __________________________________ thoughts?

First deadline has passed, second email on it's way

GOt a standard letter saying blah blah looking into it blah blah will take 4 weeks. Do I still stand by the timeline?

Oh I will be, I'll record it on my computer

Got the standard letter today "blah blah" going to look into it take up to 4 weeks, I'll give them a call in a few days.

f*cking hell mate, over the moon for you!

Excellent news fella! Gives us all inspiration

I'm just wondering what to say when I phone, its probably easier to send the letter as I get tongue tied on the phone, pretty bad when I work in a call centre!

When they offered the partial refund, was that over the phone or by post? thanks Mart

Awesome fella, 6 weeks that's nothing! I intend to use part of mine on my bond for my new apartment and then my season ticket at Man Utd. I'm tempted to ring them first, what do you think?

So they have refunded £2277.63 altogether to you? How long did it take from first letter/email to getting the charges back from them?

haha, I haven't done that as yet, have used works printer/computer to print out the letters that I will send off on Tuesday morning!

Congratulations fella! It must feel good, If/when I get my money back, then they will get at least £50 for the books!

Just got the automated reply [email protected] to me More options 1:30 am (0 minutes ago) Thank you for your e-mail. We will ensure it is actioned as quickly as possible. . ---------------------------------------------------------------------------------------------------------------------- HBOS plc, Registered in Scotland No. SC218813. Registered Office: The Mound, Edinburgh EH1 1YZ. HBOS plc is a holding company, subsidiaries of which are authorised and regulated by the Financial Services Authority. ==============================================================================

Have been meaning to do this for the last few weeks but never got round to it, I've sent an email with the template with my details on it, reason for not sending via post is I've not got any money to send a recorded letter with, get paid on Friday so if not had a reply then I will do it then, claiming £1073 from them dating back to September 2003.

Aye, only been with them since that time

I'm going to do this once I get paid, then I can send everything by registered mail