Setting up a bank account.....pmsl....i would love to be a fly on the wall in that bank.......: Manager - 'so Dave......why is it you need to open up an account with us today ?' Dave - 'I setup an online forum, that helps people reclaim unfair penalty charges on, amongst others, bank accounts, and the members are itching to give me loadsa money for helping them out......and under my mattress is kinda full after last payout from Abbey' Dave......no matter where it is, can i come along with you.......i could video the whole meeting, and chuck it up here somewhere......it would give us all something to look forward to ! I am nearly in tears writing this !

I sent all my letters asking for full amount £2116...... I wanted to make it appear that rather than me splitting the full claim of £2116 into smaller £750 chunks....i was actually taking each charge as a seperate offence, and bundling them together on my LBA i wrote a piece on the bottom of the letter that said along the lines of......: i am asking for a full refund of £2116 for a total of 62 seperate penalty charges, however rather than claiming for each seperate incident, and in order to 'minimise liquidated losses' to the unsuccesful party, and also to make best use of the courts precious time, i will be bundling them together in approx £750 claims. The first claim for £738 plus fee, plus interest will be submitted without further notice. Subsequent claims will be submitted upon the succesful outcome of my first claim.... Hope this helps you a bit....any other problems drop me a message

They have not fulfilled your reqeust. What i would do if i was in your situation, would be to give them a quick call, explain the problem, remind them that they haven't complied with your request, and inform them they have 48 hours to complete your request, otherwise you will raise a complaint with the Information Commissioner......but then again, you could just go ahead and raise the complaint ........depends on how much aggro you want to cause.... You should find that they will bend over backwards to get it sorted....then again ....maybe not

If you have already sent them a preliminary request for refund letter, and gave them 14 days....then send you LBA (Letter Before Action)...remember this is your claim, and as such you dictate the timescales, as long as you stick to this you will be fine........

yeah....if u read about the forum it actually tells you what to put on the court papers...something along the line of: 'The pursuer claims from the defender the sum of £xx.xx with interest on that sum at the rate of 8% annually from the date of service (together with the expenses of bringing the action' I think it's quite ironic that the court fee is £39, which is the same as the halifax charges i am claiming back......i felt like saying to the court, that at least with the court fee, i feel i am getting value for money....lol

there is no problem with putting in multiple claims, as long as you dont put them in all at once, otherwise the bank could ask for them to be heard as one case, which would take it out of the small claims court......i m on my first of 3 claims, and each fee (£39) will be added to claim, so that i get it back... 'abuse of process' ?? if i wanted, i could put in a claim for each seperate charge.....but i am trying to minimise losses by lumping them together, so if the bank want to play funny buggers then so could we...... and yes...its 5 years for the statute of limitations in scotland........

Court papers submitted to Kirkcaldy Sheriff Court Claim Number - SA262/06 Amount - £720 plus £39 fee plus £103.67 interest Court date set for 16/6/06 more claims to follow !!

maybe not all the sections....but just have a scottish general ...i know it would be handier than having to read posts, then find out how much pertains to up here......

you could try printing this off and putting it up at your work etc......something i threw together on a bored afternoon: http://www.consumeractiongroup.co.uk/forum/showthread.php?t=4152&highlight=scotia+poster

i just submitted my claim yesterday, and the clerk at the court told me to put the claim as follows: The pursuer claims from the Defender the sum of £xx.00 with interest on that sum at the rate of 8% annually from the date of service (together with the expenses of bringing the action) She told me not to show calculations for the 8% as this is done by the court upon succesful claim...... My schedule of amounts just show the date, type of charge, and amount of charge.... If you read up there is an alternative to excel, which you can use for the spreadsheet

i am gonna be joining you soon m8.....first one submitted to Kirkcaldy Sheriff court todayfor £730 plus £120 interest plus court fee, they should have the papers by monday.........mmmmm....2 weeks you say.......what can i spend it on ? lol then after that only a few more to go........gotta admit.....it's a lovely savings scheme they are operating !

my claim is for £2116 against the halifax....do a search for me and have a read of my post about it......basically i am submitting 3 claims...1 for 2000 to 2001/2.....next one for 2002 to 2004...etc so i can keep it under 750 quid the £750 is the maximum limit for small claims court here (£39 court fee.....ironic really as halifax charge £39 each charge !!), this is before court fees and 8% interest....my first claim will be submitted tomorrow morning.......

Stick to your timescale m8....reply to them if you want stating that you accept their kind offer of £39, but not in full and final settlement, and that you will pursue the amount outstanding through the courts if necessary. This is the banks way of damage limitation....

Dont tell them that you will drop the case....if you have submitted claim to court, follow it through. There is nothing to stop them from withdrawing offer if you drop the case, at least if you follow through claim properly you have a guarantee you will get the money

i received exactly the same letter (apart from you not being in to accept phonecall) and the nice Richard Aitken offered me my worst 6 months of charges back as full and final settlement, after 5/10 minutes of discussion regarding legalities, and amounts etc i told him that this isn't 'Deal or No Deal' and explained i would be submitting my claim on expiry of the 7 Day LBA (Which is today !) My full details are herehttp://www.consumeractiongroup.co.uk/forum/showthread.php?t=1922 Dont accept any offer if its 'full & final settlement' unless it's for the full amount you're claiming...... Hope this helps you

OK folks.....my original thread is here : http://www.consumeractiongroup.co.uk/forum/showthread.php?t=1922 I am ready to fill out the court forms, but not exactly 100% sure of the content, i have both forms 1 & 1b Any help from someone who has completed these please ? Thanks

No reply...today was their LBA 7 Day Deadline, and the postie has been and gone.......so i am off to the local sheriff court........

OK folks....UPDATE I have now received about 6 pages through the post from the data controller of EGG asking me to fill it out and return with proof of ID.....do i need to do this ? or will my original request still stand ?

well, i dunno if this correct, but my claim is for approx 2400 quid, and i am splitting it into smaller chunks...ie March 2000 to Jun 2001 - £721 plus 8% plus fees and i am intending to put down my local manager as the person who i am claiming from dunno if this helps, but my court papers are due to be submitted on Thursday if i haven't had a reply by Wednesday to my LBA...so if i am wrong then ....HELP !!!!!!

I have sent them a reply letter, basically stating that since no proof of contract can be found i would like them to refund all monies, plus i submitted a DPA subject request , and that i will be claiming back all penalty charges once i get this......but here's another predicament..... They charged my this repayment protector insurance, but it was debited to the Egg card....so realistically they have charged me 'credit card' interest on these amounts.....how would i go about working this out, and could i claim for this? the total balance is about £2300.....about £800 is made up from 3 1/2 years of Repayment Protector Insurance, and probably £700 from penalty charges..........so additional £800 is partially made up from the interest charged on these previous unlawful amounts......could i ask for debt to be written off under the circumstances ?

Thats my signature.........my cases.......nothing to do with your post

accept their kind offer, and explain to them that if they are unwilling to refund total , that you will be forced to take legal action to reclaim the amount outstanding. As to the default, they must update the records to show the correct amount, and if you can prove that the details on your credit file are incorrect, then they must update these. It might be a harder job to get the default removed totally, but if they are admitting liability then you may be able to push for this..... Maybe someone else can contribute towards the default qeustion as i haven't been in that situation...hope this helps you...

Not quite true m8, they have a legal obligation to supply this data within 40 days from receipt of request, and can charge up to a maximum of £10 fee to cover costs

OK FOLKS UPDATE....HELP REQUIRED......... I just got a reply from EGG which basically says, that my conversation with them in January 2003 cannot be found, yet they are still refusing to refund me the amounts taken since January 2003.....where do i stand legally ? It also states that a letter went out to me on 31st Jan with T&C's etc....i never received any such letter (otherwise i would have queried it) If required i will take them to court, i am not fussy how much this costs, this is one company that aint gonna screw me !! GIMME SOME ADVICE....PLEASE !! This is the letter i received from them: (I have highlighted the main part)

My mum was looking to rent a villa, and get flights etc for a holiday in Portugal....she found a website for a holiday co , and one of the villa sounded perfect....so she phoned the company up on Wednesday to get details and to book, she has booked the villa for a week at the end of June for 4 adults and 2 kids....since she booked it she is having 2nd thoughts and wondered if she could cancel. She has paid just over 400 quid as a deposit. I thought that maybe the distance selling regulations might help her, but after reading it i realise i didnt understand a lot of it lol.....can anyone help ?? Will she lose her deposit ? because if she will then she is gonna go ahead with it......she was told by the company that if she cancelled she would lose her deposit, but we dunno if this is correct Any help please