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Papers from SAR shows shockingly very high charges from 2009 to 2013 within period I lost my job and was struggling financially, can I seek refund from OC?

 

Just after calling OC and asking for complaint procedure and address, I received letter stating small % of charges will be refunded but paid directly to Lowell?

 

What's your opinion guys?

 

 

 

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no they cant do that.

and stop using the phone.

WRITING only

 

get a charges reclaim going

spreadsheet 

covering letter 

etc etc 

 


please don't hit Quote...just type we know what we said earlier..

 

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thanks, is there cover letter template on here for charges reclaim?

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yes all here

 

get the CISHEET done first

 


please don't hit Quote...just type we know what we said earlier..

 

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spreadsheet done charges (ovd and interest) on 2 account from  2009 to 2013 almost 4k very high, please send me link for cover letter, etc..  

 

Is there any regulation I can cite to stop refund being sent to Lowell? 

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The case law you can use is Edlington Properties -v JH Fenner.

 

Where a debt/account has been Assigned, the seller has no right to appropriate your money to the third party.(Carboot)

You need to write and tell the original creditor this and if they refuse to refund all of the money to you then you are able to issue proceedings in court to force them to refund this money to you.

 

Andy


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Many thanks Andy

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you cant include interest 'in' the spreadsheet

in other words you can only inc OD charges in the listing.

but enter their AVG APR in cell d15

 

 

chaRGES RECLAI LETTER.pdf


please don't hit Quote...just type we know what we said earlier..

 

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Hi dx

 

thanks

 

but it does seems this reclaim letter applies to Ovd charges (mine is daily ovd charges/fees for planned and unplanned, some for about 6 months of charges are interest debited because it's high interest reward current acc.

 

said template seems to be for Credit card late fees and over limit charges.. right?

maybe BCOBS suits my case better?

 

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Im not sure its a good idea to clutter your thread with discussions of claiming charges back which have no connection to this thread or court claim.

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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Hi Andy

I think It's connected, same bank account DCA is suing for, have so many excessive charges, I saw that after a received all my statements following SAR. 

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Hi Andy

I think It's connected, same bank account DCA is suing for, have so many excessive charges, I saw that after a received all my statements following SAR

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new thread for charges reclaiming created.what is ovd?

can you attach your cisheet please

 


please don't hit Quote...just type we know what we said earlier..

 

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Overdraft Charges


We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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not sure what that is

you should using the CISHEET

put their avg APR in cell d15

 


please don't hit Quote...just type we know what we said earlier..

 

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Hi DX

 

I'm unsure if APR applies on this, OC was charging Ovd fees not interest like Credit Card. What I'm think is to include 8% interest on reclaim total for refund I'm seeking?

 

APR applies to Credit Card and some other charges I think ....Please clarify if you think otherwise.

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no OD's have an int rate.


please don't hit Quote...just type we know what we said earlier..

 

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update guys,

 

I sent letter to HBOS seeking refunds of charges, instead of replying they sent email requesting telephone discussion regarding said letter. Has anyone experience this and generally what do you reckon guys? 

 

I saw missed call and I'm yet to call back.

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and you dont

their questions are always loaded in their favour

 

writing ONLY!!


please don't hit Quote...just type we know what we said earlier..

 

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Hello guys,

 

To raise small claims action against HBOS who knows the exact address to use, I wrote to office in Leeds? I got a reply from their office in Cardiff. 

 

I just want to be very sure??

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head office


please don't hit Quote...just type we know what we said earlier..

 

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update: I've given hbos further 2 weeks (final notice) and still no reply yet. I only got unexpected call from her manager arguing that I can't claim more than 6 years refund bla bla...my only response was to demand written reply.

 

re six years limit:

 

firstly, I think the fact they transferred debt to DCA and are still chasing me for full balance it means I can reclaim everything they owe since account was opened.

 

secondly, I only found out details of all excessive bank charges after they responded to my SAR, previously letter of appropriation and letter requesting freezing of interest and accept offer of a taken were ignored by hbos.

 

Guys, what do you think please? I want to start now to prepare for statement of claim. 

 

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