DO NOT GIVE THEM 4 WEEKS

Keep to the instructions you are following. (Im guessing your following the Consumer Action Group as many others are) I assume its telling you to only give them 2 weeks. The banksare staling you to see if your serious, If you give them the 4 weeks they will eventually say that your matter is declined etc etc. Just send the LBA (letter before action) after the2 week deadline

R4NSS - What stage are you at ?

I've was offered £2935 a week ago and have since declined it. I have already raised the Court claim 2 days before the offer came in so I want the lot !

The only advice I can give is read as much as you can on the Consumer Action Group web site and ask as many questions as you can. They are an incredibly helpful bunch !

 

Frogford im in the process of sending a letter to the bank threatening legal action as they told me to fook off..

this is the letter I...will it do?


Re. Account number: [INSERT ACCOUNT NUMBER]

I refer to default charges applied to my account amounting to [INSERT TOTAL OF CHARGES], which I have requested you pay back.
I wrote to you on [INSERT DATE], making the original request for a payment in settlement of my claim. As I have not heard from you/not received a satisfactory response [DELETE AS APPROPRIATE],
I am writing to inform you I intend to claim the full amount claimed together with interest up to the date of judgment and court fees in the proceedings through the county court.
This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfair and not proportionate to your costs, and therefore the court will rule in my favour.
I have attached a full schedule of the charges with this document. [INCLUDE A LIST OF CHARGES AND BE SURE TO KEEP A COPY FOR YOURSELF]
I look forward to a full response to this letter within 14 days, otherwise I will commence court proceedings to reclaim my money.

Yours faithfully,

[YOUR SIGNATURE]

[YOUR NAME (PRINTED)]

 

which site did you get that from ?

 

got that comedy dan very helpful bloke.

gonna get printed off and sent off by monday.

 

Not quite sure where you are. You said they have declined to refund you but the letter your going to send seems to be of the same request ?

You should be following this :

Letter 1 - Request 6 years of bank statements. They have 40 days to responed.
Letter 2 - After going through your statements you then write a Prelimanary Letter. This requests the refund of £xxxx and a copy of the charges ( I know CAG supply a spreadsheet which works out all the interest aswell and is very helpful). They have 14 days to respond to this letter.
Letter 3 - They will no doubt have ignored letter 2 or sent you a standard reply along the lines of we will get back to you in 4 weeks. Ignore and send out the LBA (Letter Before Action) This letter will state that they have a further 14 days to refund said charges or your next action will be to file a claim against them.
Next step - Using the Online Money Claiming raise a claim against your bank. (using the mcol website).

Where are you in the above list at the mo ?

 

further to the above post. Heres llinks to the letters I have used (and so have 8000 odd other people so they cant be that bad)

Letter 2 - Preliminary Letter (also include breakdown of charges)

http://www.consumeractiongroup.co.uk...-approach.html

Copy of Spreadsheet to input all your charges

http://www.consumeractiongroup.co.uk...arges-calc.xls

Letter 3 - LBA (Letter Before Action)

http://www.consumeractiongroup.co.uk...re-action.html

 

frogford have you got a copy of the lba that you could post up much appreciated

 

escrt did you not see the post above ? its :


http://www.consumeractiongroup.co.uk...s-library/92-3 -letter-before-action.html

obviously add your details to it !

 

Frogford

So it is sorry me being stupid
Is the LBA what i need to send if they rejected my claim?

 

escrst - your not being stupid. I asked exactly the same questions because I didnt have a clue what I was doing

If you have sent them a breakdown of your charges and the Prelim letter then and they have sent you the usual fob off letter then you DO need to send the LBA. Stick to the guide though and make sure you have given the bank 14 days before you send the LBA.

 

who do i send my letter to - the financial ombudsman @ Nationwide?

Help.

3dr letter is ready and waiting to go.

 

r4n s s.........can u copy and paste your letter(taking out private stuff) on here as ive registered to get it but it wont let me access it.

i would just send the letter special or recorded delivery (to prove they have recieved it) to where u have sent the previous letters

 

The 3rd letter (Letter Before Action) goes to the same place that you sent the 2nd Letter (Prelim), which should have been :

Nationwide Building Society
Branch Service Centre
Electra House
Farnsby Street
Swindon
SN38 9NQ

 

when sending 2nd letter do i send it to my local branch or head office?

 

why doesnt everyone go to consumer action group and READ the instructions there very carefully
its ALL very self explanitary

 

RSCossieGaz, what bank is it ?

 

link to letter is here

http://www.consumeractiongroup.co.uk...-approach.html

I pm'd Comedy Dan off here and he was very very helpful

 

I cant remember who i sent the first letter to - it was some ombudsman i think. THe second letter went to the branch manager at my local branch.

I want to send this third letter to the correct people to ensure I get the desired response.

 

im in thie exact same boat as you mate.

from what i can gather the LBA letter doesnt seem to fit our situation

 

abbey mate

 

Frogford, do I make this letter out to any person or position in particular?

 

R4N- Just send it to the above address, not to anyone in particular. Make sure you send it SIGNED FOR deliver (or re send it signed for then yocorded) If youu can prove they received it if necessary and it only costs £1.04

Gaz send it to :

Antony Turbitt
Manager
Banking Services
Customer Servces (Banking)
PO Box 297
Bradford
BD1 1BR

 

as someone said earlier. I got all this info from Consumer Acion Group and the site is well worth a read !

http://www.consumeractiongroup.co.uk

 

just had £75 charged for 2 bounced DDs its not like thousands like everyone else so threat of court is harsh init?

really annoying - is anyway to recover this?

 

M - Try ringing the bank. If you state that you are willing to file a claim if you need to then im sure they refund you. However if you go down the route everyone else is then as it is a small ammount then they will refund you before you need to raise a claim. IMO anything under £500 they are refunding as a good will gesture

 

Was taking Barclays to court, but they sent me a letter saying will you exceot an offer of £925, they owed me £1100, so I chose to accept the offer rather than go through with the court action, only because it would have cost me further in court fees and so on, yes you get it back but just though I would be better off with the money now, so I was £925 better off till I sent the lot clearing up some debts I had!

 

frogford

letter is gonna get posted today at lunchtime.

 

i just got my full claim from hsbc, after taking them to court, and the court throwing the bank out for abuse of process took 3 months but worth it in the end.

 

Can you still claim back your charges then??

Because loyds won the first court case the other month, i thought maybe they'd found a loop hole in the system!!

I need to claim my bank charges asap before its not possible, i know id be owed at least £1000

 

you can still claim mate, that case means nothing as its only in a county court

 

 

i sent the second letter about a month ago now still nother heard anythink back!how long should it take?

 

who put interested on there charges aswell??

ive opted to just gofor charges they said i should have it sorted out by 28th of this month.

 

All - thought I'd share my success story and some tips...

I'm with HSBC (14 years with them)...

If you use internet banking then I'm guessing the like HSBC you will be able to access your last 6 years statements online - meaning you don't need to send letter and £10 and wait for paper copies of statements...

SETUP A CURRENT ACCOUNT WITH ANOTHER BANK FIRST!!!! That way if they do decide to close your account you are already setup somewhere else...


I used the template letters and the calculator from www.moneysavingexpert.com for all my correspondance....

1st find all charges (DD charges / overdraft payments etc) and enter them all into the calculator. This will give you a printable sheet of all the charges and the total including the 8% interest. Complete the letter asking for charges plus interest back and send this to your bank (branch / HQ whatever - it will get to the right place eventually) recorded delivery. You will have 4 possible outcomes;

1) they pay up immediately
2) they say they will get back to you at a later date
3) they dispute your claim
4) they ignore you completely

If its anything other than the first one - give them a couple of weeks and then send the letter allowing 14 days for a decision or you will start legal action (small claim)..

In my case they replied within a week offering to pay the full amount of charges but not the interest.... I have accepted this...


Oh - and with regards to the cases where the banks have "won" in court - they haven't yet won a case - the cases have been rejected due to insufficient evidence from the claimant - I call it a no-score draw....

 

anybody know where i should send my 1st letter to hsbc to reclaim my charges

 

just send it to the address on your cheque book


update for me, got a letter telling me im getting 600 back which im not gonna complain at as im skint lol

 

ive just got my statements in 2 days ago so im sending them to the people who are sorting it

so 21 days from then & im sure i'll be a few grand richer

 

This does work and is dead easy. Lloyds TSB paid out to me last week after court action.

 

barclays sent me a letter in may saying they are dealing with my claim and will get back to me before 28th june,i get another letter on the 27th june saying they will get back to me before the 29th july
taking the piss i think,time to send a letter threatening action

 

there fucking with you mate, its time to take them to court