Bank Charges

I sent a letter to Halifax informing them Id be taking court action, I had a reply yesterday saying they will respond by 16th June. Im owed approx 700quid from Halifax, Iv already received just under 900 from Barclays.

arent ya mar and dar with clays? we divent charge ya if your wanting to get 6 year worth of statements from us

I got 3,516 squids back from Natwest. FYI always send EVERYTHING registered post. It's far to easy for a letter to be 'lost' follow up letters with phonecalls and ask they be documented to their account.

Started doing my credit cards now, Natwest have offered me the difference between £12 and the charge (ie £8 back for a £20 charge). I think its because the courts ruled that theyre allowed to charge £12? They did offer me it straight away when I asked for the statements tho, dunno wether to try push them further or not.

I've just applied for a judgement by default against the Halifax. If they don't pay up then I'm going to send in the bailiffs

Letter before action to Barclaycard on Friday.

What can you claim back from your credit card company's like ?

All your charges over the past 6 years with interest.

'Bank charges' has got to be the number one thread title.

How do you do that? I just got letter off Halifax saying they will not be paing back my charges That was the court letter too.

Dont know what to do as next step, Barclays paid up before I even sent the court letter

read up on it here, plenty of people with advice to give in the same situ as you

Consumer Action

Read the guide on consumeractiongroup from start to finish.

Your next step is to file it with the court - you can print the forms off online and it takes about 10 minutes. Everything you need to write is on that website.

You then send it off to the court, and they serve papers on the Halifax who have 2 weeks to reply. If they don't (and they often don't) then you apply for judgement by default. All you do for this is fill in the form the court send you and send it back saying that they haven't replied.

Once I have this, which should arrive in the next week or so, then I'll write to them giving them a week to pay up. If they don't, then I apply for a warrant of execution, which sends the bailiffs in.

Don't settle at any point for less than the full amount of charges, and don't be afraid of the court process. The most you could possibly lose is the £30 court fee, and that's vanishingly unlikely.

Just had a letter saying lloyds are gonna pay my charges totalling £485 into my account.

RESULT! Just in time for my trip to the Dam n all :chill:

You're lucky, they have frozen all claims due to going to court over it all to see whether they are actually illegal charges!

Aye I know, thats why im really surprised. I thought they'd have least waited for the test case result. I'm not gonna complain though!