HBOS a CCA - now +30 days

[conchy_joe]

hi everyone,i'm a new member and

 

 

i live and work in the birmingham area

 

 

.like many others my wife and i have picked up some bank charges over the years

 

 

but we are now trying to get back some of "our" money.

 

 

we have sent off letter one to the halifax and

 

 

they have replied in the negative so

 

 

we are about to fire off letter two.

 

 

we are also studying six years of accts from lloyds but there are a couple of items i'm unsure of,

 

 

can we claim back overdraft interest or overdraft excess fees.

 

 

if anyone can give me some advice i'd be most grateful.

[Bookworm]

Hi, and welcome.

 

In order to reclaim your unlawful bank charges, you will need to know what you're doing. This site is about self-empowerment, and even though we will help you as much as we can in the process, it is up to YOU to take charge from now on.

 

Please read the FAQs, please read the step-by-step, then read as much info as you can on the relevant bank forum.

 

Please start a thread in the correct bank forum, and post your updates and queries which haven't been answered elsewhere (and most of them have!) on that thread.

 

As regards o/d interest, you can only reclaim the part of the interest that arose from the charges, not from you using the o/d. O/d excess fees, yes, you can reclaim them.

 

Keep us posted!

[conchy_joe]

many thanks bookworm,i'll keep you posted on any developements...conchy_joe.

[conchy_joe]

hello everyone,we have just completed and sent off the letter giving halifax seven days to reply and are now looking towards lloyds tsb.with regards lloyds should we itemise every single item and how do we justify claiming back overdraft excess charges..thanks.

[lisamellor]

hi there,

 

have you read through all the faqs, letters etc??

what do you mean by justifying excessive charges?? it is them who should be justifying the charges (which they wont).

 

if you have all the dates of charges taken out of your account and what they are for you will need to do the spreadsheet for when you file in court/moneyclaim (you dont add interest until you actually file though)

 

do you know how much you have been charged??

 

sorry if it seems dumb but i do not like to assume.

 

lisaxx

[conchy_joe]

hi everyone,we have sent off the letter giving halifax seven days to respond before taking action,the time expires today so if nothing comes in the post tomorrow we will instigate a claim.could someone let us know how to go about this and how do we term the claim.

[welly]

Hi Joe

 

Its time to start your own thread in the halifax forum as this the welcome forum for your first post and you will get a faster responce to any questions:)

 

Please stick to one thread so it helps us to know where you are and what you have done so far and you can always find your posts in the USERCP on the bar at the top of the page;)

 

Good luck and you will find most of your answers in the FAQ's and step by step

 

Welly:)

[conchy_joe]

hi everyone,i have registered my claim with the court but have not included a claim for interest(i didn't know how to) is it too late to claim now...i have received notice from the court that the summons has been served.

[MARTIN3030]

You can try for an ammendment to the claim which costs 35.00 and is not reclaimable.

It is likely to hold up the case though and may even have to be re-submitted.

Have a word with your local court or if Moneyclaim call Northampton CC

[Warms]

Ts,ts,ts...

Why didn't you ask if you didn't know?!:-|

 

Good luck with what you're claiming back, anyway.

[conchy_joe]

I wrote b.o.s on 14may requesting a copy of cca but i've heard nothing from them since,

they've defaulted and committed an offence.

does anyone have suggestions about my next course of action.

[steven4064]

Write and tell them that. Tell them that the account is now unenforcable and that they must not

 

1. ask you for payment

2. add any charges or interest to the account

3. pass on any information about the account to any third parties

4. put any marks on your credit rating relative to this account.

 

Tell them that, if they take you to court about this account, their non-complaince with the CCA 1974 is a complete defence. tell them that, as far as you are concerned, the matter is at an end.

 

Copy the letter to the OFT and your local Trading Standards.

[conchy_joe]

many thanks steven,i've written the letter which will go recorded delivery tomorrow.i'll also cc the OFT and Trading Standards.the scales have been taken care off.