I can't believe the banks have not caved in yet

[garyhay]

Having just got £740 back from Halifax (£69 short of what I originally asked for) and having to just reject the 1st offer and then do a deal which was acceptable I found that court was not required.

 

Try speaking to them. Say you believe £2.50 is a fair charge and would accept that. I am sure they will settle

[eileen58]

Hi Garyhay,

 

I certainly would not tell them that I think that £2.50 is a good price. I want all my money back. Considering the time that they have had my money (sometimes 5 years and more) all the profit that they have made on my money I want the lot.

I also want the interest and costs. This might make me sound greedy but the banks are nothing but robbers. (I really am being very polite here).

 

Eileen

[garyhay]

You are right the banks have been robbing us for years and if you want to have to file court papers get sheriffs officers etc involved and have the time then I would centainly advise going that route.

 

If I have to start paying £10 per month just to have a bank account then this will cost me the same over the Scottish 5 year claim period and I will never get that back so we have to meet the banks somewhere in the middle and £2.50 is a lot more to our side than the banks £35 charge side.

 

It is really going to need a test case to find out what the actual cost to the banks is but a programme on BBC had 2 experts from within the banking industry claim that £2.50 would be a resonable cost to pass on and I am quite willing to accept this at this moment in time as the sums involved for me were not that large.

 

You also have to take into account that in Scotland we have to jump through hoops to get £1500+ back.

 

If for example you had 100 x £35 charges making a total of £3500 but agreed with the bank to accept 100 x £2.50 charges then you will get back £3250. If you can find a solicitor to take on your case (which you can still loose and have to pay full cost) it will cost you more than £250 and have a lot more risk involved.

 

A cop out maybe accepting a lesser offer but better IMHO for those who can't afford to loose anymore or who originally thought the cash was gone forever anyway.

 

Good luck with your case. Post your thread details up and I will keep an eye on it.

[citizen48]

Not sure how to go about it yet but as I have no assets and am currently on sickness benefit I can take the risk of losing all and forcing a test case and I am willing to do this with support.

[eileen58]

Hi Citizen ,

 

The good thing about this site is that someone somewhere has already been through what you are going to go through, so perserve and if you have any questions there is always someone to help.

I done all my claims through Glasgow Sheriff Court and I found them to be really nice. Any problems just ask.

 

Eileen