Reclaim Your Bank And Card Charges

[popper]

Originally Posted by Scarlett

Nope its the county court using a D1 form...

you mean an N1 form,and you can fill in these with help from the many helpfull county court staff.

i can see these companys are really getting to you, as Mr A already said,its all bullying tactics and you should see it for what it is Scarlett, your getting far to worryed about the outcome and not seeing the wood because of the trees as it were.

small claims is the county court, and these people have got to much to loose if they allow claims against them to go all the way, after all these unlawful charges/moneys ARE YOUR MONEY.

claim every single penny back including interest over the time you have been deprived of them ,some on CAG have even claimed compounded daily interest and won every time they have got to the court steps, not once has it ever gone all the way inside and they have NO RIGHT to force you to sign any 'non-disclosure', it your money remember that one thing.

they might try and con you into signing as its to their advantage but are you really ready to role over and be conned again !.

rememeber acted in 'good faith' is one thing, being a mug and letting this company off the hook outside the court papers is plain wrong, if you really insist on keeping this company A (after all its only a for profit company, not a person) unnamed then go over to CAG do a search on this company and read up on all the
answers you find there to see how everyone helps each other to become informed spot it and cut through the company bull and do it NOW.
http://www.consumeractiongroup.co.uk...off-court.html
http://www.consumeractiongroup.co.uk...y-account.html

[Scarlett]

Have read the CAG site now but thanks anyway.

This is looking quite interesting I believe they will try and justify the charges by stating that they ONLY employ a collections team because people go over the credit limit and/or miss payments. Therefore the charge is
(the cost of that team + all its equipment + office space) / an estimate of the number of people who will miss payments and/or go over the credit limit.

Amusing gems from the CAG site are comments that said company has already cited previous victories where the claiment failed to show up as cases it has 'won' to try and put people off.

At the moment, they have not settled (i.e. payed up) one single case. Two are in the process of going to court at the moment. I am issueing an N1* on Friday in any case. I just need to wait and see what they try to defend this with.

Scarlett.

* might need some help with the N1 if I can't even get the 2 character name of the form right

[popper]

Originally Posted by Scarlett

Have read the CAG site now but thanks anyway.

This is looking quite interesting I believe they will try and justify the charges by stating that they ONLY employ a collections team because people go over the credit limit and/or miss payments. Therefore the charge is
(the cost of that team + all its equipment + office space) / an estimate of the number of people who will miss payments and/or go over the credit limit.

Amusing gems from the CAG site are comments that said company has already cited previous victories where the claiment failed to show up as cases it has 'won' to try and put people off.

At the moment, they have not settled (i.e. payed up) one single case. Two are in the process of going to court at the moment. I am issueing an N1* on Friday in any case. I just need to wait and see what they try to defend this with.

Scarlett.

* might need some help with the N1 if I can't even get the 2 character name of the form right

LOL, it seems your feeling a little better about this now and good for you, not enough clues in there but as regards the N1 , rememeber to put any removal of defaults, injunctions, further legal action if harassed, and just about anything else thats related to your claim.

remember its your court action claim against them, not theirs, so anything you want them to do is easyest if its in there, as even if it doesnt (and it wont) go all the way to standing infont of the judge while he/she makes his/her court order to them, then its in the claim so they need to do it before you agree to withdraw the action at the court steps etc.

[Shaun]

Scarlet, as long as your claim is under several thousand* then it will be handled under the small claims track of the county court and you are not eligible for the company's costs.

It's all in the leaflets the court will send you with the N1 form if you ask them.

[SMHarman]

Originally Posted by Shaun

Scarlet, as long as your claim is under several thousand* then it will be handled under the small claims track of the county court and you are not eligible for the company's costs.

It's all in the leaflets the court will send you with the N1 form if you ask them.

And even if they go down the full county court route you can ask for it to be re tracked to the small claims track which then makes it a massive headache for them as the court gets moved to your local court, their lawyers fees are owned by them.
I successfully fought a claim by a supplier for a show stand which they agreed to drop if I dropped my counterclaim (for my deposit cheque) as effectivly their lawyers costs / travel etc would have outweighed the claim. I would probably have won, but the risk / reward / time / effort at that point became to great (a very different circumstanse to those in this thread but an story to highlight the big business bully tactics).

[Chrysalis]

martin was on gmtv this morning I thought he was very good, but the gmtv presenters were fighting the banks cause without anyone from the bank present.

Again one of the banks statements tho was very inaccurate I think it was natwest said something liek this.

"customers have if responsible wont get in this situation in the first place and we are allowing them unauthorised borrowing if they need to borrow they should ask us first"

that failed to explain 2 points.

1 - if payments are bounced the customer still gets charged and they havent borrowed anything.
2 - more often then not extended overdrafts are declined now days in favour of expensive long term loans.

[Pia]

Originally Posted by Pia

So i've got two letters printed off and ready to post in the morning, one to Barclays, for both my current account and Barclaycard- According to someone on Consumer Action Group i can send a single request to them for both as it's the same address.

Well i still haven't got anything back from Barclays regarding the Bank Account, so shall i just assume they aren't seding the account details since i've already had the Barclaycard statements, and send off the S.A.R again with another cheque?

[Chrysalis]

report them to the finance commissioner?

[orangebird]

Originally Posted by Pia

Well i still haven't got anything back from Barclays regarding the Bank Account, so shall i just assume they aren't seding the account details since i've already had the Barclaycard statements, and send off the S.A.R again with another cheque?

Did you send the request recorded delivery?

[Pia]

Originally Posted by orangebird

Did you send the request recorded delivery?

Yeah i did, and i sent the requst for both Barclaycard and Barclays together on the same letter as i was told that would work- they have responded to the Barclaycard but not the Bank account.

[SMHarman]

Barclaycard and Barclays Bank are probably two separate operating companies (or maybe two separate divisions of the same company). A company that size often does not know what the left and right hand are doing, do both have the same DPA or whoever you make the request to? And for that matter the same address to send the request to?

[Pia]

Originally Posted by SMHarman

Barclaycard and Barclays Bank are probably two separate operating companies (or maybe two separate divisions of the same company). A company that size often does not know what the left and right hand are doing, do both have the same DPA or whoever you make the request to? And for that matter the same address to send the request to?

Like i said, it is the same address, and i have been advised on Consumer Action Group that many people have sent their request for both this way and have received both.

[Gareth]

Guess this was kinda inevitable...

http://news.bbc.co.uk/1/hi/business/6148776.stm [bbc.co.uk]

First Direct is set to charge bank customers with less than £1,500 in their accounts, effectively ending the principle of free banking.

It is proposing to charge people who only have a current account a £10 monthly fee, potentially affecting up to 195,000 customers.

[danielf]

Originally Posted by Gareth

Guess this was kinda inevitable...

http://news.bbc.co.uk/1/hi/business/6148776.stm [bbc.co.uk]

I'm not surprised some charges are brought in to replace the earnings on 'unarranged overdrafts', but £10 a month is just ridiculous imo. Basically, they're trying to lose/charge any customers earning less than £25k a year unless they bring in extra business over a current account. Good publicity

[Chrysalis]

they said they aiming for it to affect dormant accounts but its quite possible active accounts from poorer people will be hit, so as usual the banks continue to charge the most vulnerable.