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charges OVER £5000?? Help!


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Hi, I'm Jenny and I'm a first poster!:)

Sent off the letter today asking for six years statements....ok, im jumpin the gun a bit here but am pretty sure the charges will come to OVER 5k.....all returned dds ..does this make a difference?It is with the halifax.Also, have there been cases reported where the bank has won??

thanks very much in anticipationn of youe helpful replies!!

jen

statement request - 8th jan

statements received- 13th jan

prelim sent - 22nd jan

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Hello and welcome to the Consumer Action Group!

 

There are a few things that you must do before sending letters off left right and centre. By following the steps correctly you save yourself and others a lot of work!

 

  • Read the FAQs. Print them out and take 2 -3 days to understand what it is you are about to do…..you wouldn’t just jump into a lake for a swim unless you knew how to swim, would you??
  • Understand the process. Don’t try to start halfway through, it won’t work. Its time consuming but at least you won’t be making any mistakes in getting your money back!
  • Read through the relevant forum for your bank claim. Here you will find others journeys, celebrations and queries, most of which will help you in your claim.
  • Start a thread in your forum, and keep it in your favourites so you can find it easier. Call it your name v bank name for example. Here you can log your own journey, ask questions and most of all offer another thread for a newer person to read (see you are giving something back already)
  • It’s your claim; you have to do the work! Its not easy, can be very frustrating and at times you will feel like throwing the towel and letting them get away. But keep on going, seek advice from mods / site helpers/ or anyone else who is on the forum, great place for this is the chat room, try it out!

There has been no case gone to court with regards to bank charges as far as im aware. If it is over 5K then all you have to worry about is how nto spend it, as long as you follow the process you should be ok.

 

Good luck

All advice is based on my experiences. I am NOT qualified and as such cannot be held responsible for any mistakes. If in doubt...get professional help.

If you like what i have said then make me a star!!

Some helpful links

I have been successful in many cases..here are links to some

Housing Act and deposits: http://www.consumeractiongroup.co.uk/forum/showthread.php?266260-Deposit-being-withheld.-Please-advise&highlight=

Against Natwest: http://www.consumeractiongroup.co.uk/forum/showthread.php?278646-N-west-v-Mrsfoot-s-Son.-***WON_ALL-CHARGES-REFUNDED***&highlight=

Against Swift Advances: http://www.consumeractiongroup.co.uk/forum/showthread.php?46576-Me-V-Swift&highlight=

Against B&Q: http://www.consumeractiongroup.co.uk/forum/showthread.php?172878-Me-vs-B-amp-Q&highlight=

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I thought mine would be over £5k but I was pleasantly surprised when they came in at £3k+.

Barclays :- Settled March 07:o

 

RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???):confused:

Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

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