We won! Checked bank balance yesterday and the money has turned up! Yay! Suppose we'd better cancel the moneyclaim now!

Of note, we have just received notification that we are to be charged a further 60 pounds for 2 items that there was no funds for and then a 28 pound charge for going over the OD limit.

My other half gave the Halifax a ring to ask if they'd reverse them, mentioning that they'd paid us back 1900 pounds that day so charges were obviously unfair etc - lady went away to talk to manager about doing it.... and.... if you claim back your charges you have a flag put on your account (A difficult customer flag I suppose) and the usual staff are not allowed to deal with you! You can only deal with the Customer Relations dept!

We will be opening a parachute account before going after these charges - may leave them a while!

Still no money! We have however received another letter from the Halifax saying that they are charging us 30 quid for going over our overdraft limit!

I am so rubbish at waiting. Any guesses on how long they'll take to give me the money?

I've used MCOL twice now - what sort of assistance are you after?

I must admit though that I added up my two figures wrong on my most recent one so I'm not perfect (dreadful at maths!)

MCOL is quite self explanatory tbh. Post up the bits you need help with

Thanks Tezviper and Aardvark for the support

Halifax acknowledged the claim today and so now have a further 28 days to reply.

I didn't end up amending it in the end - the figures in the main body of the text are correct after all.

Claim has now been issued by MCOL and so am waiting for the Halifax to acknowledge it.

Good luck! Law is still the same so don't see any reason why you shouldn't get the money from the next claim back.

Do you think it's necessary for 50p - will the fact that my figures don't quite add up go against me? (It's 50p lower than i was after rather than higher)

Am I able to amend online or do I need to give Moneyclaim a call?

Oops - have just noticed that I have entered an incorrect total in the amount claimed box by 50 pence - this shouldn't matter too much should it?

No idea how that happened!

Submitted the MCOL this morning

Cool, thanks for letting me know - I will persue that one separately

Bah, still no further response and the 40 days is well and truly up now.

What should I do next? Should I assume the charges will be similar on all 3 accounts and multiply my figure from the 1 set of data I was sent by 3 and challenge them to prove me wrong?

Or do I now need to push for compliance through the courts etc?

Humph!

Last time I used moneyclaim I used the following:

Claimant has account (A/C No) with Defendant from (Date a/c opened)conducted on their standard terms and conditions. Claimant is claiming the return of (£0.00 = amount of charges claimed) taken by Defendant in charges over (X) years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e.

In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification of charges despite repeated requests. Claimant claims interest under Sec.69 of the County Courts Act 1984 at a rate of 8% a year from(Date of 1st charge) to (Date of filing claim) of (£0.00 =The interest in the 8% spreadsheet calculation) and also interest at same rate up to the date of judgment or earlier payment at a daily rate of (£0.00p = Amount of charges claimed x 0.00022).

Is this still ok to use? The version in the templates library is slightly different

I'm so excited about submitting this moneyclaim - I absolutely cannot wait to get the money and have my lovely engagement ring! (Well, that and fix the dent in the car)

Thanks Hillards

Just to confirm (submitting MCOL on Tues) in the "amount claimed" box it's the bank charges plus the 8% interest figure?

So final total is that + the court fees?

Debt Mountain - long time no speak!

Thanks for the response - I thought as much, I'll just submit the MCOL on Tuesday as originally planned, I doubt that sending them a further rejection letter and giving them the opportunity to make us another offer will yield the response I'm after so why not. I know the procedure now after all!

Ask yourself the question, are you prepared to accept their offer? No, send the rejection letter then.

 

You know you are entitled to the full amount, it's up to you if you choose to go for the last hurdle or take what they are offering. I know I would go all the way as I would begrudge leaving some behind for the sake of yet another letter and a bit more waiting.

 

You would also be asked to sign a letter saying you will accept whatever charges they throw at you in future - how about they charge you £150 every time you make any transaction on your account, perhaps to get the money back out of you by way of revenge. Having signed a letter to say you agree to their terms they could easily do that, although it would be illegal of course.

 

By refusing to sign any such thing, and moving forward, you're protecting your future too - as you're not giving them anything as 'full and final', with their conditions.

Hi Hillards,

You missed my point - I was never going to accept this offer or sign anything - I wanted to know whether to send a further rejection letter to see if they'd pay up the full amount by Tuesday or whether to go to MCOL on Tuesday Thanks for your response though!

We got our statements dead on the 40 days!

I think your answers are correct.

Anyone? Do you think we should send http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html again in the hope that they'll just pay up the missing 286 quid?

Good luck

Hello everyone! We sent a rejection letter as recommended and received a further offer of £1307 today - bit of an increase from the 600 odd quid offered before!

It says that this would be full and final settlement and if we are not happy with it to give them a call - offer is available for 2 weeks from yesterday.

Now, do I wait til next Tuesday and submit a MCOL or in the meantime shall I send them a further rejection letter and see if they up it to the full amount before then?

Barclaycard have agreed to pay the difference between the 12 pounds OFT ruling and the amount they have charged me and so will credit me 60 something pounds to my next statement. As this will completely pay off my barclaycard I have decided to accept it and probably close my account with them to stop me being tempted to use it in the future - such high interest!

Yes, I think you can.

It is indeed common for them to omit statements when they send them out to you! I am missing some too!