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Speedy V IF refund of Charges offered


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Help please,

 

IF have offered to refund charges in full but only as a credit to the account as there is still a debit balance on the account.

 

My feeling is the charges were unlawfully taken, it is my money.

The debt on the account was purchases and cash advances plus interest, plus charges and interest on charges. They should refund the money to me. Reduce the balance by the corresponding amount, if I choose then to repay additional debt with the money that is up to me.

 

Am I correct, can I go to court with this or as they have offered the full amount of charges, excluding interest what next ?

 

thanks:?

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Help please,

 

IF have offered to refund charges in full but only as a credit to the account as there is still a debit balance on the account.

 

My feeling is the charges were unlawfully taken, it is my money.

The debt on the account was purchases and cash advances plus interest, plus charges and interest on charges. They should refund the money to me. Reduce the balance by the corresponding amount, if I choose then to repay additional debt with the money that is up to me.

 

Am I correct, can I go to court with this or as they have offered the full amount of charges, excluding interest what next ?

 

thanks:?

 

Hi Speedy, just want to understand, did you send LBA, got no joy and then filed with the courts????:-?

If you filed with court, at this stage you would have submitted your Calc sheet , but this time you would/should have included the interest at 8%, if this is what you have done so far then the bank should settle the full amount as per your Calc sheet, unlawful charges, interest and court fee...... If they are only offerring to cover the orginal charges this is not full settlement.......... that's assuming that you got to the court stage.:rolleyes:

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I sent SAR no response, phoned and sent 7 day letter they said thier mistake, no quibbles offered full refund of charges, not gone to LBA on charges, however did file in court for breach of DPA

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I sent SAR no response, phoned and sent 7 day letter they said thier mistake, no quibbles offered full refund of charges, not gone to LBA on charges, however did file in court for breach of DPA

 

Well thats great news, lets hope that we manage to keep it nice and simple ........ doubt it though, Just a thought, you sait you filed to the court for none compliance of DPA, are you still going through with this now or not? :???: also did you have to pay any court fees for this action? and if so can you get this money back if you pull out now?

Just trying to understand how it all works so that I can be ready in advance:-D

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waiting for phonecall from solicitors from IF as I work abroad and am going on Sunday, Allocation Quetionaire for breach of DPA has to be filed by 19th so I have told them I am filing tomorrow unless they call back today.

 

I really do not care about money on this one, to file was only £30, it is a principle now that they are abusing the system to stop people getting hold of statements to claim back money that has been unlawfully removed from the account. The fact that I got my statements after 55 days and having to file for the breach is indicative of that.

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  • 3 weeks later...

Update.

 

Now received in writing offer to settle DPA breach and I have accepted with a letter saying I will contact the court to terminate the court action when the cheque has been received, I am not getting caught by the old cheque is in the post trick. On the court front we are at the management conference stage so I am sure they are looking not to attend that hence the offer. I have decided to accept the offer of the refund of charges to my account, I have 11 other cases going on !

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