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Bank_Buster

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About Bank_Buster

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  1. hi, to be honest i was first told about reclaiming bank charges from a friend, then i saw a program on tv which showed people who were reclaiming. I personnally know of 3 people who have had full settlements from halifax/barclays/intelligent finance/ and cahoot for myself. I have no doubt you will get all the charges back, plus by using the online calculator, you can claim 8% interest on those charges when you file your claim. basically its a very straightforward process in reclaiming. but i suggest if you have any queries you ask someone on this site to guide you. hope this help
  2. oh i forgot to mention..im not holding onto the check, i have took it to nationwide on sat to cash. but it still takes another week to clear. i am going to inform the court once my cheque has cleared but im not closing my claim with the court until it has cleared. and even then by the time the court recieves the seperate signed paperwork to retract the judgement, 28 days ill have elapsed, and so the judgement will not be removed from their records for 6 yrs.
  3. i wouldnt want to rain on your parade either, but all i can say is that what i did worked. 1. i agree if filed in court personnally i may have not gotten away with a po box address, but filing it online i did. 2. i feel that by alot of hard work on my part to track someone down at abbey, who had the power to make a decision regarding my claim, was a good thing because i was able to know from their side what they were going to do in regards to my claim, and so was able to feel more in control of MY CASE, rather than just playing the cowardly role of waiting for them to respond to me
  4. case number 6qz94635 They didnt offer a part settlement so i just kept to my 14 day deadlines regarding the letters until it was time to file my claim. filed with money claim on 18th dec 2006 they had till 6th jan 2007 to respond with acknowledgement or defence, but didnt. filed judgement by default on 9th jan 2007 received a check for 1040.27 for full and final settlement on friday 26th Jan 2007 from filing the claim to receiving payment it took.. 39 days in total!
  5. ok, its been a while since i posed anything, but i would like to help others get their money back as i just received a full and final settlement from cahoot for 1040.27 pounds by check last week. i have a couple of tricks which i can now see worked to get me my money. 1. when i posted my details on money claim, instead of entering abbey nationals proper address, i put a post box address which i found on one of my letters from them, as i didnt know which address to use. here is the address i used. abbey national plc,po box 1981,coventry,cv1 2za. only after speaking to abbey the
  6. ok, its been a while since i posed anything, but i would like to help others get their money back as i just received a full and final settlement from cahoot for 1040.27 pounds by check last week. i have a couple of tricks which i can now see worked to get me my money. 1. when i posted my details on money claim, instead of entering abbey nationals proper address, i put a post box address which i found on one of my letters from them, as i didnt know which address to use. here is the address i used. abbey national plc,po box 1981,coventry,cv1 2za. only after speaking to abbey the
  7. i just received another email from cahoot which says : dated 28th nov 2006 Dear Miss ******, I am sorry that you were unhappy with the previous response. I have looked at your case in further detail and reviewed the charges that have been placed on your account. As my colleague previously highlighted the charges that you have received by cahoot were agreed to by yourself in the terms and conditions when you signed for the account. We feel that the charges are fair and we stand by the fact that we will not be offering a refund of the charges on your account. I can as
  8. ok..i have found the template in the library to fill out the MCOL form, but am still unsure if there is anything else i am missing in the way of what happens next now i have filled my claim. Could anyone give me any more advice as to what happens next? :o Thanks again for any advice you can offer.. jennifer
  9. Thanks so much for the encouragement.. ill keep everyone posted.. i have another question if someone can help me.. im now at the stage where i need to start thinking about how to fill out the court forms, and im still unsure of each stage that i need to take with this. could someone give me some guidance in regards to the next steps. eg..file my claim..and all that it entails???? i could do with a step by step version, so it is clear in my mind as to what i need to do. also....i have read a few posts with draft letter to the court by others on here, but would feel much happier
  10. well, just sent cahoot there letter prior to action this morning via recorded delivery, so they can not say they didnt receive it..lol i thought for some reason it would cost me about 5 quid to send the letter, but it only cost 1 pound, so its well worth it, as then you have a record of it arriving. if they then say they havent received it, then they look incompetent.. which can only work in my favour..lol For anyone new here, my boyfriend sent the 1st letter to halifax and was offered 291.00 out of the 550.00 claim, and my best friend belle was offered half settlement from barclays afte
  11. can someone tell me how to delete a post..lol as i keep trying to edit it, and delete it that way, but it wont let me..pheww.. 1 st letter to cahoots sent 13th November 2006 my address 13th November 2006 Cahoot/Abbey National House, 2 Triton Square, Regent's Place, London, NW1 3AN. Dear Sir/Madam, Ref: acc # ********* I understand that the charges applied to my account in relation
  12. Hi everyone, im new to this site, but have read many of the threads to get a feel for the banks tactics. I guess this is where i tell you about my case thus far. 1 st letter to cahoots sent 13th November 2006 my address 13th November 2006 Cahoot/Abbey National House 2 TritonSquare, RegentPlace, London, NW1 3AN. Dear Sir/Madam, Ref: acc # ********* I understand that the charges applied to my account in relation to Overdraft Charges and Returned Item Charges are unlawful. When I opened my account I entered into a contract with you, at w
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