Anyone with experience got some advice on the £28 I just incurred or no?

By the way, I just saw a charge pop up today because I went over limit last month for £28. Should I add this £28 to my existing claim? If so, how would I do it as my next step if filing the MCOL claim? Would I just add the £28 on to the spreadsheet and on to that?

Hello mate, I did this by accident with my first letter too, I still got the standard response from them about the amount. What I then did when I sent my letter before action was included a line revising the requested amount and stating it was because I was not claiming interest at this stage.

Sorry mate but you must have something else on your file, I have got a scatty credit history with a lot of missed payments upto 3months around 2-3 years ago, and missed payments of 2 months just 1 year ago. I recently got a new current account, credit card, flexible loan with cahoot and a mortgage with halifax so maybe you should look into that mate.

Anyone?

novernrob to the rescue again! Let me know how it goes Apollo - Did you see the user in the Litigation Concluded section, they seemed to settle quite quickly for them!

Thank you very much for that. Anyone else seen anything?

Guys, I am getting my MCOL ready to go on the 20th if I haven't recieved a response from them. Can someone give this a read over and see if it's OK. I didn't really change it much from the guide notes in the Library as it's kind of hard to re-word something that sounds so right? lol

Is everyone writing to Egg online via the Secure Messaging, or is anyone writing by hand? Also - I still have £900 on my Egg card, could they demand full repayment immediately in the course of all this? Cheers, Phil

Thanks, I started adding up my other accounts now. £60 from Egg hehe, that's the smallest one. I got to get DPA requests out to Citibank (lol) and Capitalone. Out of interest, what's the deal with my claiming if I still have an active credit card with them? Can they close it and demand the money back? I also set myself up a current account with Cahoot to fall back on (well will probably move anyway) and sent forms back two days ago so no stopping now.

OK point taken. I know what you're saying but you do come across very harsh, maybe it's just the way I'm reading it, you know what it's like on the internet/email. Phil

No offense, I understand you are frustrated but you seem quite intent on having an argument with them.. Isn't it easier to just get your money back politely? then slag them off? lol

Right I sent Letter before Action recorded yesterday with the revised amount without the interest on it lol, it got delivered today! I have registered on the moneyclaim site and got the funds together for the case. I am going to start putting my case together on there, which is something I will definately need advice on. 14 days and counting guys... wish me luck

Yes it is recommended to use your local branch.

Haha stop press guys. I got my standard response in the post this morning. Then they refer me to the ombudsman. Now there are two things I have to do. I have to type up my letter before action but I also need to make a sentence with an amendment. As shown before I accidentally claimed including interest @ 8% APR - I need to correct this and claim for just the amount. I will post up my letter today.

Hi all, Can you believe this, I sent my letter to the bank over 14 days ago with 14 days to reply. I sent it recorded delivery to my designated branch. It was shown as delivered online. And not even a response!! I am so annoyed, I mean I would of least expected a standard response. I think it's a tactic to just delay things and make me phone or send the same again. I am going to go ahead and send the Letter before Action from the library. Am I OK in your opinion to tailor to say that I sent a letter previously which didn't even recieve a response and that I have proof of delivery? Or should I keep it simple and save all that for my case file? I will post my letter up here this time before I send to make sure there are no problems again Thanks for your response and patience as usual guys. Phil

My 14 day deadline expires tomorrow, I am giving them until Monday, if nothing shows, letter number 2 is getting written ready tonight.

Also if you are feeling savvy those sites usually have a free trial or another going on

Dont forget if you try and claim 6K I don't think it can go through a small claims court (i.e. you will liable for costs if you lose)

Don't use the 8% unless it goes to court

Of course there could be consequences, you could get your overdraft cancelled etc and easily lose in court unless you research the legalities..

Yeah dont screw it up like I have

True bankfodder, thanks.. but obviously I don't want that.

Ive dropped a bollock everyone, my mother in law posted the original letter with the interest 8% requested before I could stop it! Have I screwed this up? Shall I just wait until the second later stage and write in with a revised request?

Hello mate, yeah I've been reading a lot. I am prepared to go to court if neccesary. I am reading up to make sure I understand and grasp the concepts of what I am going to defend. I understand that the charges cannot be described as a service charge as it is directly in relation to going over a limit or a payment being bounced therefore they are punitive and due to the ruling of some lord (I will obviously memorise the quotes and dates etc) that the charges if lawful should not exceed the amount it's costing the bank.. which I know after a few letters they wont admit or deny..which will probably lead me to court.. where if they do submit a defense, I will have to destroy.. fingers crossed! First letter was typed last night but I am working nights so it's being sent recorded delivery tomorrow... heres how it looks: Request for repayment of charges Dear Sir/Madam, SORT CODE: XXXXXX ACCOUNT NUMBER: XXXXXXXX My request I am writing to ask you to refund to me the charges which you have levied from my account over the last 4 years. I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations. Your responsibilities I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. What I require I calculate that you have taken £2,233.00 plus interest at 8% APR which I calculate to be £319.70. Total £2,552.70 My targets to resolve this matter I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting unconditionally my request in principle and letting me know a date by which I will receive payment. If you do not respond or you do not respond positively within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large comapny such as yours with dedicated staff and departments. After that will be no further communication from me and I shall issue a claim at the expiry of the second deadline. Yours faithfully, What do you think guys? Didn't really feel the need to change it much.. Just like to say I hope this works as I am willing to go all the way, and this site has been absolutely fantastic, I am an moneysavingexpert.com (plug) regular and this site makes a fantastic addition to the cause! If all this comes through I will make a generous donation to your book cause!