Reclaim Your Bank And Card Charges

[Mike]

Originally Posted by Mr Angry

Guess what? Once the banks realized that charging illegal penalty fees was now the least of their worries and that people were prepared to instigate criminal proceedings for theft they quickly backed down and offered (sorry, "begged") the plaintiffs to reopen their accounts and let bygones be bygones. Neither plaintiff has taken them up on their offer and are currently considering proceeding with the theft charges.

Any news on the theft charge ?

Mike

[Fingy]

There was just a whole thing on GMTV about this and what steps you need to take to get your money back which have already been explained here. The guy is doing a webchat about it after the show.

Looks like the banks may be getting quite a few letters in to them very soon.

[Chrysalis]

itv are really digging in recently, makes you wonder if the banks did something to **** them off.

wish the supposedbly unbiased bbc would join in.

[handyman]

Right got a letter bank which the other half has kindly scanned and sent to me
What is the best form of attack after this.

[Flobajob]

Originally Posted by handyman

Right got a letter bank which the other half has kindly scanned and sent to me
What is the best form of attack after this.

Standard response from the bank, ignore it and carry on with the next stage.

[orangebird]

Blimey - I'm about to send a letter of to Lloyds for my other half, I'll be keeping subscribed to this.

Anyone had a go at First Direct yet?

TIA.

---------- Post added at 12:50 ---------- Previous post was at 12:48 ----------

Originally Posted by handyman

Right got a letter bank which the other half has kindly scanned and sent to me
What is the best form of attack after this.

Just do as it says from the relevant response in section three on here.

[Neil]

http://www.bankactiongroup.com

[etccarmageddon]

you're all being exploited, dont let it drop.

[handyman]

Just finished my reply to their letter (all 8 pages )

[Nugget]

Originally Posted by handyman

Just finished my reply to their letter (all 8 pages )

Did it take you long to cut the letters out if the paper

[Mike]

Originally Posted by Flobajob

Standard response from the bank, ignore it and carry on with the next stage.

Totally agree................just go to step four in link in opening post. It's all about the charges not being fair...........does not say that in thier letter.

Mike

[handyman]

Originally Posted by Nugget

Did it take you long to cut the letters out if the paper

GiVe Me mY MonEY BacK !!

[Mr Angry]

Originally Posted by handyman

GiVe Me mY MonEY BacK !!

Handyman,

No more Mr nice guy or lengthy letters. They have shown that they are unsympathetic towards you and now is the time for them to understand that you are serious.

Write back to Mr McKirdy acknowledging his missive and be sure to use the appropriate reference.

Simply state the following in your letter.


Mr McKirdy,

Thank you for your correspondence of June 13th inst. reference *******.

I acknowledge the "Terms and Conditions" as referenced in your aforementioned correspondence however I should like to point out to you that this is a matter of consumer contract law. The law is clear and unambiguous in that it states that enforced penalty charges are illegal where they represent anything beyond the liquidated losses incurred.

On that basis, and in the absence of a full refund of the sum of £???? as detailed in my original correspondence, please take note that I intend to commence County Court action for the recovery of same in the event that I do not receive a positive reply from you on this matter within fourteen days of todays date.

Sincerely


Handyman

At the expiry of the 14 days (do not enter into any further protracted correspondence) go straight to your County Court and fill out a form N1.

Have your County Court issue the notice of claim and summons.

[etccarmageddon]

this should be entertaining. how much does it cost handyman to file this?

---------- Post added at 18:37 ---------- Previous post was at 18:34 ----------

it appears to be anything from £30 to £120 depending on the size of the claim

http://www.lmusu.org.uk/Media/downloads/28_15200518055113_79.pdf#search='county%20court%20 form%20n1'

[handyman]

Originally Posted by Mr Angry

snippty

Already sent something similar in the post today will be on his desk tommorow complete with a copy of the intended court paper and a complete break down. I even work out the apr interest on each charge