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SJ and CJ

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  1. LMAO .. ok ta dpick yer obvious when you put it like that ... ive just read ur reply to my wife and she smirked at the answer .. seems when i win the money going to go the same way as yours LOL!!! ta for the help Steve
  2. Hi all just a real quicky really ... im about to start a claim for my joint account i share with my wife .. simple question is .. does letters sent requesting our charges need to be signed by both of us or is just my sig ok ?? ta .. Steve
  3. ok brilliant got it all now ... ta for the help ill be sending my 1st approach for charges to be repaid tommorow Steve
  4. hi again, right got it !! one other query then i done and up and running i hope!! LOL it says on the template that i am including a schedule of charges is this simply a list of all the dates and amounts and charges filled out on one the example spreadsheets provided on the template page? many thanks again for all of the help on ere Steve
  5. Hi again, thanks for the help i dont know what the % was on my charges so i assume i just ask for the total amount of charges back at this stage (being my 1st request) on the template letter it says that im to include a schedule of charges i assume this is the same as the excel speadsheet used to work out the backdated interest but just blank out the amounts of monies in the final cloumn? thanks again in advance for any help ... havin a bit of a thick moment i reckon LOL just want to get this right Steve
  6. Hi pete thanks for your reply but i think having a very bad thick moment ere about this LOL!! So to clarify, im about to draft my 1st letter requesting my charges of approx £2,900 back and i also include an added amount of what the loss of interest would have been on this amount of money, had it stayed in my account using the spreadsheets provided? what the courts add on (if it goes that far) is kinda componsation amount, but in short i ask for my intial amount plus the loss of interest at this early stage?.. sorry for asking what maybe daft Q's but just want to get this rite Steve:-)
  7. Hi all, ive finally got my total charges from First Direct totalling around £2.900 ive looked at the templates for writing the next steps and the wording in the 1st premlinary letter asks the back dated interest as well. I thought we couldnt or shouldnt ask for this untill a later date if it drags out. So whats the correct procedure to add the interest at the start or not?? many thanks for any help with this Steve
  8. Hi all, ive finally got a list of my charges back from FD totalling around 2,800 ive read the bank templates 1st letter asking for monies to be paid back to once i have a total, it says in this template that ive too include back dated interest. I was under the impression that i was not to include the interest on the 1st time of asking. Which is the case include inierest or not??? please help. Thanks in advance of any advice Steve
  9. Hi, ive written to abbey all the usual reqests for for charges to be sent. ive only recieved 12 months of statements back ive since sent in the letter saying they have only 7 dyas to respond or i will go to court but still nothing. i had a reply to my problem on this site saying that i should use the draft letter requesting my charges including an estimate of my charges over XX amont of years. the suggestion was to times my charges for say, the 10 years of my account or however long ive had my acc. my query is, i thought we could only claim only 6 years back and ive had this account for over twenty years!!! So im a bit lost as what to do next as ive threatened to take abbey to court but still no responce from them ... help Steve
  10. Hi, i need a bit of advice if anyone can help, my situation is i have requested my full charges from abbey only to recieve the last 12 months statements from abbey within the 40 day limit. I sent the non-complience letter, saying they have 7 days to comply or i will be taking the matter to court. I have not recieved anymore communication and it has been two weeks or more since i sent the letter. Whats my next step now? Do i apply to the courts which incur charges to myself, also how do i know how much i will be claiming if i havnt recieved a history of my total charges yet? any help greatly apprieciated Thanks Steve
  11. Hi, i need a bit of advice if anyone can help, my situation is i have requested my full charges only to recieve the last 12 months statements from abbey within the 40 day limit. I sent the non-complience letter, saying they have 7 days to comply or i will be taking the matter to court. I have not recieved anymore communication and it has been two weeks or more since i sent the letter. Whats my next step now? Do i apply to the courts which incur charges to myself, also how do i know how much i will be claiming if i havnt recieved a history of my total charges yet? any help greatly apprieciated Thanks Steve
  12. Hi all Asked abbey for all my charges only got sent the last years statements 12 months statements, i sent a non-complience letter saying i wanted ALL my charges sent. The 40 days are now up and i have recieved nothing more so now i go for the next stage i assume and send in the next letter demanding all my charges are sent to within 7 days or i will be taking this issue to the courts. Is this correct?? Many thanks in advance for any help/advice given Steve.
  13. Hi all Asked abbey for all my charges only got sent the last years statements 12 months statements, i sent a non-complience letter saying i wanted ALL my charges sent. The 40 days are now up and i have recieved nothing more so now i go for the next stage i assume and send in the next letter demanding all my charges are sent to within 7 days or i will be taking this issue to the courts. Is this correct?? Many thanks in advance for any help/advice given Steve.
  14. Hi, I sent the 1st letter off requesting all my charges from first direct along with the £10 fee, ive recieved a letter back with my £10 sent back to me! saying along the lines that they are unale to proceed with my request as they do not have my signature on file!! im told that i now have to call them to verify my account!! the letter goes on to say that all the info is contained in my account statements, the bank only retains info for the last 6 yrs etc. The letter then goes on to say that all info will be provided free of charge and will be sent to me via a courier, my signature will be needed to ackowledge reciept. My query is, that it is now past the 40 days since i 1st requested my charges. What or where do i go now, do i ring them to request this or do i go straight to the non complience letter after 40 days bearing in mind they have returned my £10 fee??? Many thx in advance to anyone who can help with this Steve
  15. Hi, I sent the 1st letter off requesting all my charges from first direct along with the £10 fee, ive recieved a letter back with my £10 sent back to me! saying along the lines that they are unale to proceed with my request as they do not have my signature on file!! im told that i now have to call them to verify my account!! the letter goes on to say that all the info is contained in my account statements, the bank only retains info for the last 6 yrs etc. The letter then goes on to say that all info will be provided free of charge and will be sent to me via a courier, my signature will be needed to ackowledge reciept. My query is, that it is now past the 40 days since i 1st requested my charges. What or where do i go now, do i ring them to request this or do i go straight to the non complience letter after 40 days bearing in mind they have returned my £10 fee??? Many thx in advance to anyone who can help with this Steve
  16. Hi Glenn, blimey!!! that was more years of claims than i was aware that we could claim back for, six was the maximum i thought!! .. is it normal to claim back further, from what ive read on various threads its only six years, does it involve a lot more grief/time/persistence to claim back more than the norm six years?? Steve
  17. Hi all i have a query, Ive written to Abbey and recieved back only 12 months statments. I was in the middle of editing the template letter for non-complience in less than 40days, when i came across a problem that im not too sure about. I know that we can claim up to six back in charges, after reading the 1st letter asked for a cpmplete list of transactions and charges relating to my banking history. On the template for non-complience it states "addthis section too your own situation" and in the following paragraph it then states "add details of your missing-or a period of a missing transaction that you know off that is missing" My query is .... what do i put in this part... as in ... i know we can only claim back 6 years, so do i put in the past six years that are missing or do i request the whole history as it states in the 1st letter sent to request my details? the problem i have with requesting the later is i have no idea how long ive had my account with the Abbey, it has been many many many more years than the last six. Many thanks in advance with this problem Steve
  18. NATTIE wkd thanks for the reply, it gives great confidence reading through some of these threads, blimey there's so many companies that take the mick with their charges it's almost like it seems there's a small fortune to be re-claimed when you think about it!!! lol ... right then, here goes an adventure, i best get my arse down to stationary box and buy a load of box files to keep all the contact letters from different comanies seperate and organised lol !!!
  19. thanks Nattie ive actually got two accounts with the abbey, one is a single account the other is a joint account im sure when i get back the list of my charges BOTH will be over and above 5,000!!! is it better to do these as seperate claims? Steve
  20. Hi, just registared on this site and am about to start the process to reclaim my bank charges, ive looked through various threads and it appears we can claim from other establishments, i.ie. credit cards, mortgage acc's etc etc... is this the case? im about to start a claim against abbey and for my wife against first direct, is there any advice i need to know about before starting this action with these two companys? many thanks, Steve
  21. Hi, ive logged onto the site and have been reading thro some of the posts which makes very interesting reading, ive goo a couple of questions if anyone could help, i would be most grateful. Ive got joint account with the Abbey and a single acc. also with the Abbey, i know for a fact when i get the figures back for both these accs. are going to be HUGE, i'm aware trhat we can only claim back for the past 6 years but is there still an advised "cap" to claim for as far as i'm aware it was around £6.000? has that changed at all because i think i read on a thread somewhere that u can claim more now it just means you have to pay a slighty higher ammount on a sliding scale if it goes to court? also bearing in mind that the amount could be quite substanstial, therefore would i be better claiming these acc's separtely? also i have noticed that some of the addresses give out are for credit cards as well, i thought it was only charges on bank acc's we could claim from, is it the case we can claim from other institutions as well? for example capital one credit card, AOL credit card, Barclaycard and also where do we stand on companies that we have mortgages namely Abbey or other companies where a loan secured or non secured on our house, can we claim back from these guys as well, many thanks in advance for any help given on these questions, Steve.
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