time is up...

[bobbycat]

On the 24th April I sent off my 1st letter requesting my bank charges back totaling £1713.00.

On the 26th April recieved one back from bank stating they are dealing with the complaint and will take up to 4 weeks.

 

On the 9th May sent out LBA.

 

On the 21st May recieved a letter saying they where still dealing with my complaint and I will recieve a response from them no later than the 22nd june.

 

22nd June today and nothing.

Should I phone the 08457 253519 number and ask them what is happening?

 

:?

[jake44]

I had the same thing with Bank Of Scotland. claiming £3500. At last minute letter saying charges are correct and no refund. Now taking them to court :o !!!

[**Tilly**]

have a look in this link filing n1

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

[**Tilly**]

also this one if you have sent your lba then its time for court action

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

[jake44]

Thanks for the info. I will njeed abit of assistance. I know that there is alot of help from this site. I posted another thread ( in loans section) re catital Bank address and how do I claim charges. would you be able to help me ??

[**Tilly**]

i will certanley do my best:)

[Dusary]

We'll ALL do our best!

[bobbycat]

That's what I don't want to wait and then be told "Tough".

I think I will just go ahead and file with the court next week when we get paid.

 

I thought phoning might have helped.

 

don't like the fact of having to go to court, it scares me.

[Dusary]

You'll discover from the ***WON*** threads that most don't go to Court.

 

The Banks are terrified that the Judge/Sheriff will demand to be shown how the calculate their charges.

 

AND THEY WON'T DIVULGE - It's safer for them to settle!

 

Don't you worry your little cotton socks!

[bobbycat]

I know what you are saying, when I read the success story's I feel positive and ready to go.

 

Then I go to bed and start thinking....LOL:D

[**Tilly**]

you will be fine i think evrybody gets the jitters afterall its not everyday you take a bank to court:D

[jake44]

I had an account with capital bank re my car. due to personal circumstances payments fell behind and Buchanan clark and wells got involved. I would like to claim back charges but I am not sure who to get the statements from and would it be £10 or £1 ??

 

Thanks

[**Tilly**]

will have alook around for you

[bobbycat]

It's not every day you go to court at all....LOL:D

 

Well my weekend is planned out now reading and studying how to do it

(between work that is).

 

I am so glad I have you guy's to rely on.

[Dusary]

I had an account with capital bank re my car. due to personal circumstances payments fell behind and Buchanan clark and wells got involved. I would like to claim back charges but I am not sure who to get the statements from and would it be £10 or £1 ??

 

Thanks

 

 

Think you should start your own thread under the Capital Bank sub forum.

[**Tilly**]

we all rely on each other look at my thread i was a nightmare:)

[**Tilly**]

have a look in this link

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/

[sea-sidelady]

If you are wanting your statements then its £10 for your SAR

 

Also like Dusary says, you should start a new thread in the other forum.

 

Here is link to where people are claiming against companies, such as Capital Bank.

http://www.consumeractiongroup.co.uk/forum/other-institutions/

[bobbycat]

Does anyone think I should phone up the bank first before taking them to court?

[sea-sidelady]

Its always worth a try. And if you get no where, then file.

[moneyhelp]

That's what I don't want to wait and then be told "Tough".

I think I will just go ahead and file with the court next week when we get paid.

 

I thought phoning might have helped.

 

don't like the fact of having to go to court, it scares me.

 

Bobbycat,

We are all in this together and we are all scared - use your thread to ask any worrying fears you may have, no matter how trivial they may seem. We have a great bunch in here and all offer advice and support - you are amoungst friends here

 

I am petrified too - I have signed up for a court buddy, but doubt I'll be needing one as Halifax are running scared and tend to pay up before court.

As a famous TV presenter once said - 'sleep well and DON'T have nighmares'

Good luck!

[bobbycat]

Recieved the letter I had been waiting for this morning.

 

As I suspected, the charges are fair.

 

So to court it is.

[**Tilly**]

go get em bobbycat:)

[ja-de]

We're all right there with you. I got my letters in at court, this Wednesday just gone, so I'm just waiting now for the court to send my papers back to me & to haliprat's, with the date, as deemed served.

[bobbycat]

Now I am gonna need your help....