Jump to content


concernerd new user


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6392 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

hello everyone.

 

we have just registered with this site after reading the struggles suffered by you all and the many similarities to our problems caused mainly by the greedy, unnecessary charges made from our relative banks.

We have been aware about the refunding of charges for a long time but

were under the impression that this practice were a rarity aimed at a few

select unfortunate individuals.

 

the threads posted by you all have giving us the belief to challenge these charges head on ! so many thanks to the site and to all you who offer such good advise. We will be requesting our missing statements tomorrow and will post a more personalized thread a.s.a.p.

 

thanks

Link to post
Share on other sites

  • 2 weeks later...

cheers for response,

its nice to know you are not alone in our battles!!

i have just posted a new thread but was not sure how to copy you in?(any advise)

we have our statements back with little fuss and £ 5360 of charges to claim. but i am unsure of weather we should claim it all back due to this amount exceeding the small claims court limit. any advise..

how do i cc the thread??

Link to post
Share on other sites

can you believe it!!!!, a offer on two accounts have just arrived after only 4 days,but it all seems a bit fast compared to other peoples struggles..

heres how it has gone so far.....

 

Tuesday 03.10.06 sent preliminary approach for payment total £4956 over three accounts.

 

Thursday 05.10.06 received confirmation they have received our request and will investigate and will respond within 40 days.....

 

Saturday 07.10.06 received two offers on two accounts,both as a gesture of goodwill for 6 months worth of charges, one for £1375.00 and one for £887.00

so total amount £2257.00 with the following conditions.

"these charges have been offered as a full and final settlement of your complaint"

 

"you have also requested information on how we calculate our costs.we are not obliged under the data protection act to supply this information as it is commercially sensitive,so cannot comply with your request."

 

"If you remain unhappy with your concerns please contact the financial ombudsman service"

 

"to accept our offer please sign and return the enclosed acceptance form"...

 

Help!!!!! what do we do know ...

 

I cannot believe they have made these offers after only a couple of days, and whilst these are pretty generous, they only account for approx 45-50% of the charges made to our acounts....

 

Do we accept the offer, with the possibility of not receiving another improved offer?????

Or do we wait till our mentioned deadline in our fist letter and issue the LBA, acknowledging the offers made but demanding the full amount within a further 14 days.?????

please any advise will be much aprreciated......

 

thanks Adam and nic

Link to post
Share on other sites

Guest ian cognito

All standard stuff (although not necessarily all as speedy), here's a reply from the template library

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html you will have to alter it to suit the stage you are at.

 

Keep to your timetable so if it ever gets to court you have the proof that you gave them every opportunity to settle in full.

Link to post
Share on other sites

thanks for your response and links

 

we are Still a little unsure as how to procede next...???

 

do we send the settlement rejection letter tommorow,thank them for the offer and say we will take this as part payment but give them untill our original 14 days notcice to pay the full amount.(Before we issue the LBA

 

or do we wait to issue the LBA in around ten days time..

 

or do we issue both,, but give a new response date before LBA is sent

 

the banks seems to have jumped a step and we are a little confused>

 

youre response would be much apprecited..also do you have info on the donation side of things ???

Link to post
Share on other sites

Tell them you will be accepting offer towards the full amount, but you will be proceeding to reclaim the rest. Stick to the normal timescale, that is 14 days after the prelim put in your LBA, fourteen days later go to court. Dont let them throw you off track (that is what these letters are designed to do!)

Link to post
Share on other sites

  • 2 weeks later...

hello

 

just sent in our LBA, and included a settlement rejection letter with this

advising that we are giving them a further 14 days to repay the full amount or we will before taking them to court to pursue the remainder

 

I have been Reading as much as possible, but still not sure how to go about issuing the MCOL. can any one advise where to get the next letter template

and how with register the claim......

 

any assistance would be much appreciated.

 

thanks

 

Adam

Link to post
Share on other sites

HELP!!!

I am getting really worried now as I have just received a letter from Lloyds solicitors, obviously denying my claim, actually stating it is embarrassing. Within the letter is now a form to fill in (N149 - Allocation Questionnaire) which is now going to a local court, it is called Notice of Transfer of Proceedings. I now have to pay another £100 to this court having already paid £120 to Moneyclaim, is this correct? I have until 30th October to submit this claim.

 

Thanks

Cas

Link to post
Share on other sites

Hello

 

Just recieved letters floowing our LBA letter and basically reject all our coresepondance.

they reads as follows, but are all the same word for word all form the same woman.

 

"as a gesture of good will we offfered you £887,£385 and £1375(over three accounts) which you do not wish to accept. i confirm that we will not refund all charges you have ocurred on your account sinse it was opened.Imust also stress that future charges will stand and we reserve the right to close your account if you do not manage it correctly.

If you remain unhappy you can refer your concerns to the financial ombudsman service as outlined in our previous letter."

Help now required as we are getting worried.

1)should we accept there original offers ?? if they will give this to us?

2)do we contact the financial ombudsman.

3)do we issue the Mcol Or N1...

really worried that we have messed up now......

youre replies would be much appreciated...

to cas 1612..

sorry im not sure what to say , but good luck with youre battle

Link to post
Share on other sites

you haven't messed up-this is standard stalling by all the banks-

 

hold out for the lot-it is YOUR money after all

forget the ombudsman-waste of time and space

 

I'm sure someone else will answer the one about MCOL(I'm in NI and its a different procedure over here)

 

DO NOT PANIC!!It will all work out...... ;)

Link to post
Share on other sites

Cas - please start your own thread - best help is available that way.

 

Adam/Nicola -

 

You have NOT messed up. This is going exactly to plan! The next stage is either:

 

1. Go to the Moneyclaim Online Website, and register, and start your claim there. This has the disadvantage of not allowing you as much room for your "Particulars of Claim" as method 2, and there has to be a re-allocation of your case to your local court at a point later in the proceedings.

 

2. Go to your local court (or to the Courts Service website) and get a Form N1 (of which you fill in one for each claim) and submit that to your local court with your court fee. This gives you more room to put stuff.

 

The court fee is £30 for claims up to £500, £80 for claims £501-£1500 and £120 for claims from £1501 to £5000. The "Claim Amount" which decides fees is the amount of the charges only, without any interest which you may have added.

 

If you get the N1, it's best to get it from the Courts Service Website because you can fill it in on your screen, which is not only neater but you can get a lot more in. If you DO use moneyclaim, remember that YOU ARE THE CLAIMANT!! LOL - it gets confusing, and having read it three times I **STILL** had to go back and correct it, before finalising it and submitting my claim! LOL.

 

I'm going to stop now and wait for more questions...

Link to post
Share on other sites

Don't worry. these are the standard responses.

 

Your next step is Moneyclaim On Line or N1 and start the ball rolling with your court claim.

 

You will get ALL your money. :-)

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

-------------------------------------------------------

LOOK! Free CAG Toolbar.

Follow link for more information.

 

------------------------------------------------------

Please donate,

Help us to help others.

 

 

LINKS....

 

Forum Rules.

FAQs....

Link to post
Share on other sites

Wow!!!

 

just when you get worried,,, advise all reassuring comes along in waves..

thanks people might sleep a little better now..

 

Would you wait until the days expiry before issue or send it now as they have acknowledged my request but will not move...

Link to post
Share on other sites

Although they have not responded favourably to your previous letter, you gave them a period of time to respond.

I don't believe in moving the goalposts in the middle of a match.

 

Give them the benefit of the 14 days. After all, a couple of days is not a long time to wait.

:-)

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

-------------------------------------------------------

LOOK! Free CAG Toolbar.

Follow link for more information.

 

------------------------------------------------------

Please donate,

Help us to help others.

 

 

LINKS....

 

Forum Rules.

FAQs....

Link to post
Share on other sites

Evening guys and girls.

 

finally the timescales passed,and we issued the Mcol's today for all our accounts.I really thought this process would be so hard, but with the guidence from this site and all you users its actually reletivly straight forward...

 

Now to the buisness end of things>>>>

i must admit we was originally scared of this next step but all the reading and advise has givein us the push to rightfully re-claim what is ours.... and we are now ready!!! They pushed us into a posotion where we had to make major changes to our lives and after nearly a year, we now know that should these charges never have been levied, we would not have had to go through the upheavel we have been through..

BUT..... we are now stronger and will fight and prove we are right.....

 

so for now we await there response..

Link to post
Share on other sites

  • 2 weeks later...

My partner has wrote the majority of these threads and whilst he is a little more omtimistic and ready for a fight i must admit im now petrified.

 

I have just opened two letters that acknowledgement of service has been filled and and that Halifax do intend to defend both our claims( worry worry)These were both acknowledged on the 6th of november and states that the halifax intend to Defend all of this claim.. signed MR Obrian defendants soliciter, head of legal services...

 

I take it we will defently now be going to court??

 

i thought we would have had aletter from the halifax stating they wish to defend but nothing yet. will we recieve one or will it all go through money claim ....

 

Does this mean we will be going to court in Northampton in 28 days time or will a new court date get set , but we will still have to go to northampton??

 

when will we hear how they will intend to defend???

 

im really worried now and my partner is away for a few days, so youre help is very welcome..

 

any links on court procedures/small claims procedures etc

 

thanks

nicola

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...