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piggybankbreaker

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About piggybankbreaker

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  1. But from the looks of it (if the total is to be believed) the most I can get from these listed charges is £37.50....unless we are to believe that they charged and then felt sorry for me and took the charges off without me requesting so?????
  2. Hello, I'm right at the very beginning of claiming bank charges from HSBC. I sent them the SAR on 18th June and received a 3 page document with numbers written on it. The pages reads: 13/10/2001 Overdraft Fees £27.50 13/10/2001 Adjustment to Fees for 13/10/2001 £27.30 - 12/11/2001 Overdraft Fees £27.50 12/11/2001 Adjustment to Fees for 12/11/2001 £27.50 - 12/11/2001 Adjustment to Fees for 12/11/2001 £27/50 31/10/2002 Overdraft Fees £27.50 31/10/2002 Overdraft Fees £27.50 13/12/2002 Overdraft Fees £27.50 27/12/2002 Adjustment to Fees for 13/12/2002 £27.50- 2
  3. Hello All, Is anyone else out there claiming back charges from both their Halifax current AND visa accounts? I was wondering if anyone has noticed a significant difference in the way they have been treated by both defending parties? I have a claim for £1063 for current account charges and £1065 for credit card charges. After I sent my LBA for the current a/c charges, I received a phone call offering me £500 and when I refused to acknowledge this they upped it to the full amount, which I accepted. With Halifax Card Services it has been a completely different ball game. Whe
  4. Thanks Guys, Have successfully entered my claim on MCOL, managed to get the card to work today (maybe the Bank Holiday was a very busy day for MCOL?). Was reading HellzBellz posts, in particular a suggestion made by the Welshman, and have decided to post out my schedule of charges to both MCOL and Barclays. I have penned this for Barclays, my accompanying letter to MCOL will obviously be short and to the point: ---------------------------------------- Litigation and Disputes Team Level 29 1 Churchill Place London E14 5HP
  5. Hello All, I have completed steps 1 (asking for the statements Data Protection Act etc), and 2 (asking for it back) with Halifax Visa. I have had letters back from them saying 'huh? you want it back? errr. no, we're not listening, laalaa laaaah' and something has tweaked in my brain and now I'm all a panic... The correspondance I have been receiving from Halifax has been from Pittreavie, Scotland. Now, I understand Halifax to be an English Building Society, but I opened my account in Scotland (though for the last 4 years have been living in London, where the majoeity of the char
  6. Hmmmm - tried to use my friend's card today and it just keeps coming up with unauthorized payment... Do I need to start over again on MCOL? If payment has been refused once is it likely that it would penalise you after that? Or maybe the site is down over hte festive period? I can't afford the time to go to court, I've just started a new job - can I post the N1 forms with a cheque???
  7. WAAAAAAA:-( I've just tried to file my MCOL and the only kind of bank card I have is a barclays visa electron!!!! What to do????
  8. Thanks Spotty, I thought that might be the case, I just wanted to make double sure. Thanks for replying, PIGGY X
  9. Just had a letter from Kiran Rauli, Customer Relations Manager at Head Office Customer Relations, London E14. Basically saying, no, we won't let you take our offer of £175 and carry on through the small claims court, after careful consideration we are not willing to increase our offer. Firstly, is this them saying we'll see you in court, if so, do I still need to wait 14 days before going down the court routes or can I start now as they have said they will offer no more? Silly bank...
  10. :eek: AAAAAH!!! PANIC PANIC PANIC I've just looked at the spreadsheets and realised that I have been asking for interest from the very start of the claim! I asked in my rejection of settlement for the balance with no interest added, but all my schedule of claims have interest printed on them, and the total value was the amount I originally asked for!!!! Are they going to rumble me for being a complete and utter idiot????? :eek:
  11. YAY - someone out there listening! Yeah, I know what you mean...long term is so hard when you are as NOW NOW NOW as me! I'm like s spoiled kiddie at Xmas!
  12. is there anyone out there who cares enough to be as lovely and helpful to me too??? I'm really nervous about my court dates too, come on guys share the love...are my letters right? Am I doing the right thing? I've got 2 other banks/cards I am going to start claiming for as well, I'm using the relatively low value case as my learning curve!
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