Total bankers***won***

[Castlebest]

Now why are you apologising? lol we are here to help each other .

pete

[freakyleaky]

mistake sorry

 

 

I started a question but realised I knew the answer but sent a blank meesage so was just appologising to all the helpers that would have looked at it in anticipation of helping me with yet another problem:oops:

 

While I am here though, can someone point me to the nudging letter template as I am about to send my second one as 10 days has passed since first?

I know I should know where it is but have the memory of a goldfish!:?

 

Thanks all!

[Castlebest]

Hiya freaky, the letters are in Latties "New... maybe no AQ" thread

 

pete

[lateralus]

there's some ideas in post 1 of this thread as well - just tweak them to your liking. that will make you tweakyfreakyleaky!

 

When you have filed your AQ................ (1 2 3 4 5 ... Last Page)

lateralus

[freakyleaky]

Tweakyfreakyleaky indeed! LOL!

Thanks lat and pete!

[freakyleaky]

Has anyone any thoughts on this letter my wife got today from the worlds loco bank.

this is as a result of her going overdrawn for 1 day as a payment went out early. Bear in mind that she has not had any contact with the bank regarding this!

 

"I am pleased to advise you that we have agreed your recent informal request for an overdraft. The balance of your account is now £xxxxxx overdrawn. Please remember, all overdrafts are repayable on demand.

An informal overdraft request occurs when you authorise a payment from your account that, if payed by us, would take you overdrawn. This informal overdraft is specific to the payment concerned. We will reveiw all subsequent informal overdraft requests on an individual basis.

An arrangement fee may be payable for this informal overdraft and any subsequent requests that we agree. We will pre notify you of any such fees before they are passed.

Every informal overdraft we agree to may cost you an arrangement fee. if you anticipate that you may want to make frequent informal overdraft requests, it may be cheaper for you to apply in advance for a formal overdraft. A formal overdraft facility can last for up to 12 months and carries a one off fee of £25"

 

 

it seems to me they are forceing her to agree to the Arrangement fees next time she bounces anything.

Any oppinions:confused:

[freakyleaky]

?

[freakyleaky]

Has anyone any thoughts on this letter my wife got today from the worlds loco bank.

this is as a result of her going overdrawn for 1 day as a payment went out early. Bear in mind that she has not had any contact with the bank regarding this!

 

"I am pleased to advise you that we have agreed your recent informal request for an overdraft. The balance of your account is now £xxxxxx overdrawn. Please remember, all overdrafts are repayable on demand.

An informal overdraft request occurs when you authorise a payment from your account that, if payed by us, would take you overdrawn. This informal overdraft is specific to the payment concerned. We will reveiw all subsequent informal overdraft requests on an individual basis.

An arrangement fee may be payable for this informal overdraft and any subsequent requests that we agree. We will pre notify you of any such fees before they are passed.

Every informal overdraft we agree to may cost you an arrangement fee. if you anticipate that you may want to make frequent informal overdraft requests, it may be cheaper for you to apply in advance for a formal overdraft. A formal overdraft facility can last for up to 12 months and carries a one off fee of £25"

 

 

it seems to me they are forceing her to agree to the Arrangement fees next time she bounces anything.

Any oppinions:confused:

 

 

Will this give them a legitamte defence in court to any future claims on charges?

[givememymoney]

This is just another way of dressing up unfair penalty fees. It makes no difference to claims and attempt to get charges paid back in the future. The banks however are trying to convince people that things have changed in a vain attempt to put people off claiming charges. Very sneaky!!! But it won't work and we will carry on.

[Castlebest]

Shakespeare said "a rose by any other name would smell as sweet" but that was in the context of the two lovers in Romeo and Juliet.

 

Personally I like a line Netty used a few days ago "If it barks its a dog" and in this context I’m sure Will would have approved too him being almost a Brumie lad

 

You go over your allowed limit; they write you a letter and tell you then charge you between £25 to £150. Does it really matter what they say in their letter? They have actually done nothing new except write another one off standard letter. It’s still a dog.

 

pete

[freakyleaky]

Nice one pete, you should be on the stage!

So what peeps are thinking is that this makes no difference to future claims?

I was thinking that after them informing me(well, the wife) of these facts, that if I continued to use the account and exeeded the O/D ,that as I was aware there "may be a charge" for doing this that somehow I had agreed to the charges?

Or is that what they want you think so you wouldn't try to reclaim any future charges?

[nettyg]

Woof Woof!!!!

[givememymoney]

[nettyg]

Lol

[freakyleaky]

thanks netty & gmmm, really helpful

[givememymoney]

Freaky they are just trying to find ways of making people think that the charges are legitimate and that they can't be claimed back either now or in the future.

 

"Cat's motto No matter what you've done wrong, always try to make it look like the dog did it."

[freakyleaky]

ok thanks. Thing is they have charged the missus for this 1 day breech and I was unsure how to deal with it as I have not seen this wording before. If you think it is just the useual BS then I will ring them tomm and ask for a refund!

[givememymoney]

You can try that I am not sure how successful it will be though. I have already claimed back charges with this description so I know that it does work

[freakyleaky]

I did it a couple of days ago on my acc and got 225 refunded!

[Castlebest]

Basic consept of unlawful charges is it actualy costs them pence to do what they do but charge you a huge charge. No matter what they call it they are still doing it so its still unlawful.

 

pete

[freakyleaky]

Thinking of sending this as my 3rd nudge letter. Any thoughts?

DG Solicitors

12 Calthorpe Road

Edgbaston

Birmingham

B15 1QZ

 

Re: XXXXX - v - HSBC

account no,

claim no and filing date.

 

 

 

I am writing you today in a further effort to ask you to consider my claim. I am most disappointed that you have not even acknowledged my previous correspondence.

 

I have filed my claim on xx/xx/xx. You have defended it at the last possible moment.

I have been notified that the Allocation Questionnaire is being dispensed with in this case and that it has been transferred to Mold County Court with the hearing to be held on 20th June. I have written to you twice in the past, asking for you to consider my claim and reply to me. I have heard nothing. Were this to come before a judge, it would be obvious who has made any attempts at resolution.

It is my feeling that you seem to have no intention of defending this claim in court and are simply procrastinating dealing with my claim.

 

 

I am mindful of the vast number of claims with which you are currently dealing. In order to more speedily resolve this matter, I am willing to accept the sum of £xxxx. I am willing to leave out the amount of £0.50 per day from the date I filed filed the claim if you resolve this claim within 14 days of receiving this letter. I do not agree to waive my rights in respect of any other actions, nor do I agree to a clause of confidentiality.

 

Please find enclosed another copy of my schedule of charges relating to this claim.

 

I hope to hear from you very soon so that a reasonable conclusion to this claim might be achieved. I am sure that the courts would whole heartedly approve of our settling this matter in a timely manner and without their further intervention. I look forward to hearing from you.

 

Sincerely,

Freakyleaky

[givememymoney]

I'm getting confused sure I just replied to this!!!

[Castlebest]

Freaky, your supposed to do one every 10 days, don’t think its 30 days since you got transferred to your local court.

There is a fine line between nudging to try to get an offer and harassment. Don’t be over eager unless you have one of these silly mediation directions then you can blame the District Judge

pete

[freakyleaky]

Pete, you are right, I am not sending it tomorrow, just preparing. 10 days is a long time so just trying to keep busy.

The o/h works in a sols and says that all files that are time sensitive will be bookmarked on the comp and only looked at as and when they need to be, ie 3 weeks before a court date or other deadline. I still think the nudges are a good thing as it does show the court that at least you have tried to resolve. (if it ever got that far).

[lateralus]

they must have a damn good computer system if it can take care of this - i don't think most bank's solicitors firms are geared up to what has been happening (keep in mind dg is an -in-house solicitor dealing mostly with collections and other general banking law). and it must be a bit like watching an volcano erupting and the lava flowing towards you....wondering how long you've got before it swallows you.