what's going on? Case going to a higher court.

[karen jenkins]

Hello everybody, this is my first post, although I've been following this website for a while. I read in yesterday's Daily Mail that county courts in Gloucestershire and Uxbridge are throwing out summons for bank charges because someone is taking a bank to a higher court which could set a precedent. Apparently cases will be stayed until a ruling is made which banks and consumers will have to follow. After sending the NatWest Bank the Data Protection Act letter, a request for return of bank charges and an LBA, I took a claim to my local court today. Yesterday I received a letter from the Royal Bank of Scotland group saying that they disagreed with my request for return of charges, but as a gesture of goodwill, they were prepared to make a payment of £800, provided that I went to my local branch for a financial review. I suspect that this would mean trying to persuade me to convert the overdraft to a loan. They've tried this before.They did'nt seem to understand that a loan was to their advantage, not mine. Anyway, I'm claiming £2,490 charges and £542 interest. Does anyone know what is likely to happen whilst this other case goes to a higher court? Does this put the Banks in a more powerful position to try to dissuade us from pursuing them for charges? If anybody could clarify this for me, I'd be very grateful. Iwas considering writing back to the bank refusing their partial refund, but is there any point? thanks, Karen.

[HSBCrusher]

Hello Karen.

 

The articles of which you speak are of cases blown out of all proportion, and I understand that these cases have both been settled.

 

Don't be put off continuing with your claim, if you pursue it to the end you will get all of it back!

 

Is your total amount claimed for enough to clear your OD completley? This would be the best solution of all!

 

Crusher

[jonni2bad]

Just stick with it Karen and you'll soon see a FULL refund

[karen jenkins]

OK,I have started court proceedings, and the Natwest have acknowledged. Still moving forward. However, I ought to get another current account set up in case they threaten to close existing account. Our credit ratig is poor, and we were turned down by the Halifax on that basis. Can anyone suggest where I can read up on setting up an account when you have a poor credit rating, please? We won't require a chequebook or overdraft, but a debit card would be needed. Any suggestions, anyone? Thanks very much, Karen.

[Michael Browne]

Full list of alternative bank a/c's here:

http://www.consumeractiongroup.co.uk/forum/general/13832-do-you-need-parachute.html

[wizardcompuk]

Hello karen. I am now going through the same process as you. I sent the lba 20 days ago and have now issued court proceedings today. Recieved a letter today from natwest declining to refund all charges and have doubled there offer to 825. An insult as they owe me 2500. They will now get the court summons.

In answer to your question my credit rating is bad and I could only get a cash account at lloyds tsb which will allow you to pay money in and take it out. It is a very basic account but does the job.

 

Good luck

[raven1207]

Hi, I have just heard that the Halifax are now giving an electron Visa debit card with their easycash account. Good Luck

[shaun fleming]

karen I have just posted a note with regards my claim against the Abbey here in Swindon. Nad at the moment the courts are staying the proceedings untill 1st March 07, as there apparently is going to be a test case in the near future. Not sure what happens next but looks like the law is getting a bit fed up with all these cases against the banks and things may soon be moving on. In our favour we hope.

 

best of luck from Shaun