My friends son had a broken arm misdiagnosed. THey told him it was fractured after he was still in pain after 7 months. He had a small operation to insert a pin under local anaesthetic and it's now healing well. But she hasn't said anything about wanting to sue the hospital, claim compensation, etc. Why is there always this requirement for compensation when mistakes happen???? Are we becoming America ???? It really p***es me off

Hi, butting in on your thread here I followed the link for a guide to business claims and at the top it says Unfortunately, following the decision in OFT v Abbey and others 2008, it is no longer advisable to reclaim charges from business accounts. Does this mean that we are no longer able to claim refunds on business accounts? TIA

Thank you so much for that. I would have just written that I didn't know what the debt was - this letter puts it so much better

I have received a few letters from Credit Security acting for Wescot Credit Services - Readers Union demanding £132.95 from me and saying that they are going to obtain judgement in the County Court. I don't have a clue what this is for and would like to know where I can find a proper letter to send them to ask what this is for. I did send them a letter after the first letter arrived saying that I didn't know what this was for but still they sent me more letters. I don't want to ring them as it's an 0845 number. Should I ask for a CCA or something else?? TIA.

Hello, I sent a repayment of charges request to Abbey a year ago and got a bog standard letter from them telling me all about the test case, blah blah blah, and that the claims were on hold and that they would keep me informed of progress. I haven't heard anything further from them since. I didn't send a LBA after the letter from them. (Maybe I should have done but I didn't have the confidence in myself then.) My question is - do I have to start again from a repayment request and then LBA, etc. And I presume that I can still claim from 2001 as on the original request because I have already asked for it back (if that makes sense to anyone ) TYVM

Haven't posted on here for a while I never got round to putting the claim in to Court. My question is - do I have to start from the beginning again (request for replayment then LBA, etc) or should I just put in a claim to the Court. I am also assuming that I can still claim back from 2000, as that was on the original claim. Hope someone can help

The debit interest was the interest that they charged me for me being overdrawn. It only amounted to £1.75 over the 2 years . I will be putting in a court claim next week (when I get paid!!). I phoned Customer Services yesterday about the last charge because as far as I can see from my online statement there was enough in the account to pay the DD but they bounced it . The lady I spoke to agreed that maybe it shouldn't have been bounced but she didn't have the authority to undo it. I would hear from another Department within a few days about whether it had been reversed or not. So I thought oh well there's another one to add to the claim .

Haven't updatd this for quite a while . Sent a LBA 23rd May and received an offer of £22 (the claim amount now being £575 cos they have charged me further). Got banged with more charges so sent a rejection letter on 9 July with a revised claim amount of £600 (including debit interest). They have given me another £34 charge today . So when the claim goes in I will be adding that to it as well.

Eventually got round to sending my request for repayment on 23rd April. Got a letter back today basically saying that they feel that their fees are reasonable and competitive with those made by other financial organisations. They also said "that the OFT had commented that they consider that the level of late payment fees are unfair", but however A&L have decided that they were referring to late payment fees for credit cards payments, "which are quite distinct from a bank's fees on current account." They said that discussions were ongoing between the banks and the OFT regarding current accounts. They enclosed a copy of their complaints procedure leaflet. Oh well - on to the LBA And the final total charges was £491.19 inc debit interest.

Well - my Court visit went OK. Abbey rep turned up and gave me a skeleton defence that I had about 5 minutes to read through . There was all sorts of b**lls**t on there that wasn't necessarily quite right. Anyway there was another case that came in at the same time (isn't it wierd how the County Court system works with up to 6 cases scheduled at the same time). The Judge basically ran through the outline of the case and then sent us outside to talk while he had his lunch. The Abbey man said that as far as he could see, what I was asking for was information on my single account before it was closed in Dec 2001. Yes says I - if Abbey had sent it, we wouldn't be sitting here wasting each others time. He said that he presumed that I wanted the information so that I could make a claim for bank charges. I didn't reply to that, but just smiled inside He phoned up their solicitors and wrote out a consent order, basically saying that Abbey will provide the information within 14 days, along with a cheque for £40 for costs (in their skeleton thing they had put that the monetary part of the claim had been settled - I think not). So, I am just waiting for the information to be sent to me, and then the next part of the fun begins.

Received my cheque in the post today for £603.85 . I have decided not to go after the default because I have been reading about it and the default was not caused by penalty charges - just by me not paying . I am now just waiting for the cheque to clear and then will inform the Court that they have settled.

Oh Dear - I am in Court in two and a half hours....... I won't be worried until I am actually sitting there with other people looking at me as if I know what I am doing . Abbey finally sent me their witness statement on 30th March. They really are a bunch of arrogant to**ers aren't they. The documents were supposed to be sent to me and the Court by 21st Feb. The Court phoned me up on Monday to see if I was still attending. Hmmmm - yes I am - they haven't sent me all the information I require says I. Oh well - hopefully it'll all go OK.

No - still fighting for that

Received a letter of 21st March offering me the full amount . Written back to accept it but without the confidentiality clause - I don't see why I should keep quiet about it .

Just starting on Alliance & Leicester. I have got all my statements and have calculated that they have taken £406.60 from me over the last 2 1/2 years Sending my preliminary tomorrow.