reclaiming bank charges

[seafarer]

Hi, I have just subscribed today after following the site for several weeks. I complained last year to my bank HBoS about their excessive charges. Now received two letters saying they will look into my complaint. I will not wait any longer for them to fob me off again and have raised a claim in the sheriff court for £746 plus interest and costs. Will await with interest to see wghat HBoS do next. I believe that all banks have brought this situation upon themselves with their high handed arrogant attitude.

[Josamolly]

Some useful links..

FAQ’s

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

How to Start a Thread

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/13182-how-make-posts.html

Letter Templates

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

Rejection of Settlement

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

Interest Spreadsheet

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Court N1 form

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

Court Bundle

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

Bank Contact Details

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html

Moneyclaim Online

https://www.moneyclaim.gov.uk/csmco2/index.jsp

AQ Guide to Completion

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

Court Fees

http://www.hmcourts-service.gov.uk/infoabout/fees/county.htm

Data Prot Act Non Compliance

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

ERC Letter for Mortgages

http://www.consumeractiongroup.co.uk/forum/post-432747.html

Witness Statements for Court Bundle

http://www.consumeractiongroup.co.uk/forum/abbey-bank/57385-examples-witness-statements-etc.html

Banking Code website

http://www.bankingcode.org.uk/faq.htm

Limitations Act

http://www.consumeractiongroup.co.uk/forum/statutes-library/415-limitation-act-1980-a.html

[seafarer]

I raised an action in the sheriff court against HBOS for bank charges, and the week it was due to call, received settlement of all but £30 that I had claimed. I was at cost for raising the action and although deciding to accept the principal sum, I advised HBOS that they were due me costs. I had no reply to my letter and went back to court for the costs. The court granted a decree agains HBOS for the costs and I again wrote to HBOS advising them that a decree for costs had been awarded against them Once again, no reply was forthcoming. I have written again, ten days ago, and as yet no reply. Do I keep writing them, probably to be ignored, or do I go back to court and seek that the court enforce the decree. Any advise will be welcome.

[PPMAN159]

Not sure but going back to the court to get the order enforced would seem to be the best course of action

[seafarer]

OK, will do that, but no doubt bank will incur more costs.

[PPMAN159]

Is that a problem for you to worry about?

 

The banks know the rules and if the chose to ignore them then the deserve all that they get.

[texel]

If the court granted a decree. Then eventually they will give you an extract for payment that you have to get a sheriff officer to deliver you have to pay their costs about £ 31 of course you will get that back plus the interest @ 8% annually for what is due you. It does take the court a couple of weeks to get the extract to you, but it is quite simple. Good luck

[seafarer]

Quite agree, the cost issue is not my problem. I have now contacted the court and have been told that the baliffs should be instructed by me to enforce the decree. That will be interesting to see them appearing at the bank branch to get money from them.

[texel]

let me know when and which branch I would like to see the results

[seafarer]

Have now spoken with bailiffs. It will cost a further £31.37 to enforce the decree. The bank is HBOS and at Forfar in Scotland. I will not know when the bailliffs will appear at the branch as they will undertake the instruction in the daily course of their normal business. It would be nice to have the press photographer on hand to record the event.

[seafarer]

I do have the decree, this being awarded a month ago. HBOS has ignored all my subsequent letters.

[livelylad]

I have merged your threads and moved it to HBOS forum.

[Aaronsdad]

Can you keep in touch with the bailiffs and get a 'nod' when they're going? I'm not too far away and I'd love to see it. Also if the press don't want to come - I've got a camera!!!!

Probably more of us out there who would turn out too!

 

A D

[seafarer]

I'll see what can be done.