Still Waiting

[wardy]

Hi just joined the forum to help claim unfair charges. A little confused on how to get going I understand that there are templated letters in a library where do i find these. I am claimng against Alliance & leicester when I asked them on the phone for a copy of my statements for my accounts they informed me that there was a charge of £10 per account is this correct or is it £10 per person.

 

Any help would be greatly appreciated

 

Paul

[Lil]

Hi Wardy

I have an account in joint names and a sole account for my husband and we only sent £10 and got details for both accounts. When we sent the Data protection act letter i added both lots of details.

Read the FAQ's section and have a good look around this forum. Its helpfull seeing people progress as they go along and puts your mind at ease to know your not the only one!!

Hope this helps

[DCG]

try here m8

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

and here

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

[Michael Browne]

Welcome.

 

DPA request is £10 per person, no matter how many a/c you have with them

 

Before you start please have a thorough read of the FAQs (there's a Step by Step guide here too). You may want to print these out to refer to later

 

Then look at other threads in your bank's forum, so as you know what you can

expect to happen

 

You need to spend 2 or 3 days gradually getting your head round everything.

 

There's a lot to take in, but it's time well spent and will ensure that you succeed in your claim without problems

 

This is a self-help forum and you must be prepared to put in time and effort. It is your claim, your money and you cannot expect others to do all the work for you.

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank's forum and post your progress and any questions there and you'll get plenty of help

 

Good luck

 

Lots of useful info and links here:

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/20211-newcomer-then-please-feel.html

[wardy]

Thanks all for pointing me in the right direction will keep updated on my progress

 

wardy

[wardy]

The £10 charge was taken from my account and the 40 days to supply the information is up on the 27th September. Will keep reading through threads and keep updated if anything happens in the mean time.

 

thanks fopr help Wardy

[Bookworm]

Cool. But please say on this thread to post al your queries and updates, don't start a new thread every time, or things will get very confused very quickly.

 

 

 

[2 threads merged]

[wardy]

Hi thnaks for yor help so far got all my statements and have gone through and worked all the unfair charges out and have filled in the spreadsheet.

 

My question is with regards to the prelim approach letter in the library in the section what I require it has to amounts that you put in as well as the total waht is the second amount do you have to split your charges down into 2parts or is this the interest. As I thought you left the interest out at this stage wihich I have done on the spread sheet.

 

Any help please

 

regards Paul

[Lil]

The second bit is for the overdraft interest you have been charged not the interest from the spreadsheet. If you know how much the overdraft interest is then you can claim this. I also got a bit confussed with this so decided to leave that bit out, but its your money so its up to you. Hope this helps.

[caro]

You can claim the interest on your overdraft charges, and then the 8% goes on when you do a court claim.

[wardy]

Hi once again thank-you for your help. want to get this right first time so the bank takes me seriously. The 8% interest that the basic spreadsheet calcualtes do yuo just delete this coloumn when sending the first letter of approach and only claim for charges?

 

Also the overdraft charges are they just taken from the bank statements? I have been looking around the forum also for answers and got more confused as I came across the terms Statutory interest and compound interest what and where do these fit in?

 

I am also pretty sure now a days that the bank will make me go to the stage of small claims cout (got the pack) is this when you add the second coloumn back into the basic spreadsheet and is this adequate enough or shold you use the adavnced spreadsheet.

 

Thank you again for your help

 

wardy

[caro]

Take a look in Vamps Chambers which I hope will clarify the situation. There is a link in my sig below, and often someone there who can advise.

[wardy]

Hi sent my initial approach letter on the 1st of November they where quick to respond recieved a letter this mornig the 4th November stating that the charges where fair and that oft only applies to charges of dreit cards etc.

 

Do I still have to wait 14 days before sending the Letter Before Action or can i now send it straight away as they have replied?

 

Help greatly appreciated.

 

Ward

[Lil]

There are mixed feeling over this, some do send it before the 14 days, i decided to stick to the time frames. Sorry if this is not much help!! Someone else will let you know if its any different.

[wardy]

Well the pace has picked up a little. As I got a reply to my initial request I sent of the LBA letter and got a reply this morning stating that the charges where valid, but as a good will gesture they have refunded £150-00 into my account. So do I now

 

1) Take the money out of the account and still go ahead with the MCOL without any further notice to A&L?

 

2) Write a letter thanking them for the £150.00 but inform will still be proceeding with the MCOL, leave money in account so they do not assume it as a settlement?

 

3) Same as above but take the cash?

 

4) Any suggestions I assume this is common practice by the bank to confuse, if so when I apply for the MCOL do I subtract this amoun tfrom the claim if took money or do i show as pre-paid on the bottom of the spreadsheet included?

 

Once again thankyou for yuor help and input

 

 

regards

 

Wardy

[Beserker]

Write thanking them for the £150 but that you will continue with your claim for the full ammount minus the £150. Although there is some debate about whether you should deduct a "goodwill gesture":grin:

[wardy]

Hi just checked my account with A&L they have only actually refunded £125.00, but will write a follow up letter to the LBA letter, thanking them for the refund but indicating that I will accept this as a part payment of the full amount and reiterate that the original LBA date still stands before issuing my MCOL does this sound fair?

 

I have drafted a letter which I think is fair and to the point:

 

I thank you for your response to my letter of the 4th November 2006. I accept the refund of £150.00 as a partial settlement of the £565.58 requested. And wish to inform you that I will continue with my claim against you.

 

I calculate that you have taken £563.00 plus £2.58 which you have charged me in overdraft interest for the sum which you have taken, minus the refund of £150.00. Total £415.58.

I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my previous letters of the 1st & 4th November 2006.

 

I require repayment in full of this money and. If you do not comply fully within 14 days of my original Letter Before Action 4th November 2006, then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

 

Any opinions greatly recieved I know its basically the same as the LBA letter from the library

[Beserker]

Sounds good Wardy, keep to your timeframe, not their's.

[Lil]

sounds good to me too, good that you have not given them extra time so its there time ticking away!!!! Maybe they were hoping this would give them more time. Good when we fight back isn't it!!

[younganfree]

Don't forget to keep an eye out for that missing £25, wardy.

[wardy]

Following my letter to Alliance and leicester I have recieved another letter from them today offering me a furhter settlement. They have calculated this one using the new oft max charge of £12. Saying that I had 23 charges applied on the account and that amount would be £276 the have then taken this waay from what they charged me and have offerd me the difference minus the other payment they made.

Has anybody else recieved this type of letter?

Is this a sign of them strugglung and another atempt to pacify me?

Should i reply or ignore and go ahead with the MCOL as the dead line I gave them before this action is this Monday 20th November?

 

The have given me until the 14th of december, the end of the letter has a signature section with sentance

 

We confirm acceptance of the offer in this letter as settlement of this complaint.

The rest of the letter states that the oft have made no decision surrounding bank charges just credit cards.

 

Any advice grealty received

 

wardy

 

ps I phoned and asked for the missing £25 from my first settlement which they did straight away.

[Michael Browne]

Should i reply or ignore and go ahead with the MCOL as the dead line I gave them before this action is this Monday 20th November?

 

Yes.

[Lil]

They are getting desparate now!! They had their chance to offer all of this after the 1st letter you sent and chose not to so why should you stop now? I would go ahead untill i got the whole amount, go for it wardy,

[wardy]

Hi well iisued the claim using the MCOl dont leave a lot of room for the particulars of claim and did not recognise the postcode for A&L so put in maually now just sit and wait to see what they do now

[Michael Browne]

Send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to:

 

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

Dear Sir/Madam

 

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

Yours sincerely,

 

Wait until you receive the Notice of Acknowledgement from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim

 

Dear Sir,

(Your Name) -v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

Please find enclosed a copy of my schedule of charges relating to the above claim.

Yours sincerely,