Damo V

Not yet.. All get settled out of court

TemptRS

well i've accepted the offer so gonna see how long it takes for the money to actually get into my account..

will let you know

Steve200+

http://today.reuters.co.uk/news/news...NANCIAL-AL.xml

Looks like it's only if you turn your nose up at a settlement, which I think would probably be unwise anyway...

Oranoco

End of the day if I can get a couple of hundred back I'll be chuffed it's money I hadn't missed anyway so anything I get will be a bonus

pollocks

hence why the day before i went and sent the letter i opened another account with a diffret bank as a back up so i now have a spare account witha diffrent bank with a better over draft limit and a decent rate on the credit card too

were as the accoutn i have at the moment is dia lol

they have till thursday to get back to me just hope they make me an offer at a settlement


on a diffrent note though did anyone see the guy off the trevor macdonald program who gt back 5k when they owed him less as he kept pushing and got compo on top of the charges ? that was unreal he had them over a barrel on that

Simon

Which on the banks part i would say is a perfectly reasonable thing to do as surely you cant expect all the money back as you've still been partly to blame by incurring these charges in the first place

simon

Martyn

the 7 working days I was promised a reply by are up tomorrow...I was expecting mr postie to bring something today, but nope

Chrissy_bwoy

excellent info,

first letter already to go tommorow

thanks for all the info chaps, hope i get somewhere

~nomad~

iTrader: (4)

anyone dealt with coop on this? just sent them the letter £305

BlueSmoke

Just printed out the first letter ready to go tonight

I hope they owe me a fookin fortune cause if I'm owed anything over a grand I reckon it's going to be 1st Cossie time

RichardPON

Good idea mate - get some money back, but don't worry about clearing your debt....

Get a cossie, and get yourself in more!

Stavros

Better than putting it a fruit machine

BlueSmoke

Knew someone would pipe up with that. It's a fair comment but I'm happy witht he way I'm paying things now so it's not an issue for me. Anyway, we're going off topic. Let's stick to the matter at hand

RichardPON

... but mate, this IS the topic at hand.

The fact that you'd be prepared to buy a cossie instead of paying off a debt is why you've probably racked up so many charges in the first place.....

It's all well and good to be able to claim back charges etc, but I'd far rather be in the position where I didn't have to.

Beach

This has to be worth looking into for me in the last two months ive been charged 250

hodgie

I got a letter on friday off my bank saying they were gonna charge me for a missed payment . so i phoned them up and used the advice i got off consumeractiongroup.co.uk they are no longer gonna charge me they are gonna reverse the charge as "a good will gesture" my arse. they are on the back foot now. the peoples revolt is nigh..

BlueSmoke

No, not really. I've just had a hard time the last 6 years, mainly because I moved out at 18 when I wasn't mature enough or financially ready and it all stems from there. My life would have been very different had I stayed at home. All being well I will be earning £2.5k a year more from July so I don't see why I shouldn't buy what I want, providing I make sure all bills/monthly payments are fulfilled first each month.

RichardPON

Why? Because you shouldn't view a monthly payment to a creditor as a bill.

Not having a go mate - I have just been there - I got myself in a LOT of trouble when I was younger over money, and it cost me a lot.

Plus I have actually OWNED two cossies, and I am telling you now. Being able to afford buy a cossie is not the same as being able to run one!

Jim Galbally

pon's right jay on both counts.

especially the bit about ruinning a cossie.

i earn more than double what you do, still live at home, and i struggle to afford to run a REPLICA cossie

RichardPON

Yes, but that's also because you spend money like a muppet

Jim Galbally

oh yeah i forgot about that bit

Martyn

That's in the postbox now ready to be delivered

glenis

if your earning double what he does, i am suprised to read you still live at home....

Jim Galbally

gelnis, why? my mum cooks my dinner, washes and irons my clothes, i live rent free(ish) and have a long term girlfriend so dont need to take birds back to a batchelor pad

it's fooking bliss mate

BRIGSPORT

iTrader: (2)

First letter posted today,heres hoping.

The Sludge

there was a financial expert on Lorraine Kelly show this morning, and he was telling people to do this exactly as it is has been explained on here.

He said he was getting 20 -30 letters or emails a wek saying that someone had had their charges refunded. Simply put he said to charge someone say a few quid for a letter is acceptable, but to charge for example 30 for the letter isnt acceptable.

jdfiesta

this seems to good to be true.
i've had a bad time with money over last few years, so i feel i should be entitled to some of the charges back what i have paid.
gonna see about getting my last 6 years worth of statements and go through them with a fine tooth comb
thanks for the info
JJ

BlueSmoke

Well I'm fuming. I took too much out of the bank and missed my phone bill (first DD I've missed in at least 8 months as once I got working again I started making sure everything got paid) so I went in with the money for the bill and to ask that they refunded the charge. I asked for it as a goodwill gesture as I'd not missed a payment for ages rather than going down the OFT ruling route but he wouldn't refund it. So then I fet I had no choice and explained that the OFT had ruled these charges unfair and that they were not legally enforceable yet he still wouldn't refund it. I know I should have kicked up a fuss and asked for the manager (I'm not even sure this idiot understood the law) but I just couldn't be arsed and walked out.

Now DETERMINED to get my money back.

RichardPON

No you shouldn't Jay.
The ONLY thing you should be doing is putting it in writing.

Do you really think a bank clerk has the authority to authorise refunds on your account.

If they have an option of getting out of it, they will. Understand, reclaiming these bank charges are tantamount to prepping a small claims effort.

Jim Galbally

im with pon again

try telephone banking or a personal banker for individual ones, clerks are useless and cant do anything.

if no joy, writing all the way

BlueSmoke

Well I have had them refund a charge once before. Was about 4 years ago now, I think. Although I can't remember if it was mine or the bank's error on that occasion

Mark_w

silly question maybe,but how are you paying the £10 ... cheque,postal order or cash and do you just make it out to the name of your bank?

regards mark

jdfiesta

just totted mine up quickly over last 15 months(it'll only let me go back that far online) and i get to £852.
no wonder i have no money. thats more than 2 months mortgage payments

i know that in 2003/04 i had a bad year for money
lets see what i get
i've requested online for a contact to request previous statements from
if that dont work, just gonna send letter to branch.
JJ

Graham S1

I just put a cheque in made out to the bank.

The Sludge

Sent my letter off today With a cheque to them

Dicko&Vacant

iTrader: (3)

ive sent mine cash but special delivery

Sarah

pollocks

i sent my letter off exactly 14 days ago today and told them they had 14 days to give me the money

today i got a letter saying i can have £900 back when i asked for £1033 result i'd say

Dicko&Vacant

iTrader: (3)

i hope i get mine back then cos id dare say theres over 1k at least!!!! could come in handy with a baby on the way lol



Sarah

Jim Galbally

got my standard reply letter from barclasy today. they're offering me 830 (i'm claiming for 1725)

i dunno what to do now

do ni fight it or take the money adn run? i could really do with cash NOW as i'm skint and the car needs fixing

Dicko&Vacant

iTrader: (3)

send them a letter saying your putting a small claim in from small claims court and they *hopefully* will make a better offer, i bank with barclays and hope they dont do that to me

Sarah