Excessive bank charges - anybody going to complain to their bank?

[Samz5]

We have a claim outstanding, the bank made and offer of £150 - which is half of the amount and we turned it down and asked for the full amount but this claim is over credit card charges which aren't effected by this apparently.
Hopefully the court result proves that that the banks have been wrong all along and have to give everyone their money back.

[Fran]

Yes, I have a case outstanding with the Halifax. Court papers have been served on them and I am waiting to hear if they will defend. Not sure how this will affect me now

[Fran]

You are never going to believe what has just dropped on my door mat! An offer from the Halifax They have offered to refund our charges in full, some of the interest we are claiming and the court fee Think I'm going to accept in light of the current situation but want to speak to Emma first.

Have pm'd you Emma



*oooh I feel my new laptop is nearer than I thought*

[dinahsmum]

Woo-hoo - how about that!

[Mags]

Originally Posted by Fran

You are never going to believe what has just dropped on my door mat! An offer from the Halifax They have offered to refund our charges in full, some of the interest we are claiming and the court fee Think I'm going to accept in light of the current situation but want to speak to Emma first.

Have pm'd you Emma



*oooh I feel my new laptop is nearer than I thought*

That's brilliant Fran....I think I would accept it while the offer is going!

[EmmaG]

Originally Posted by dinahsmum

Looks like this is coming to a head now. http://news.bbc.co.uk/1/hi/business/6918140.stm
Anyone got a claim still outstanding?

It will be interesting to see what the banks come up with. Last April the OFT said they would not look into any credit card charges which were in excess of £12 (hence why all of the credit card charges are now capped at £12)

Hopefully the judge will rule in favour of the consumer and the banks can tell us exactly how they manage to charge in excess of £30 if we go overdrawn.

Well done Fran As I said in my PM, I would accept their offer. Fran has got her charges back, together with the court cost and the court interest at 8%, we were pushing for contractural compounded interest but I think Fran's offer is excellent

[CathyW]

i had a dispute with pipex,they took money out of my account that led to me going into the red, straight away the bank charged me 30quid for a overdraft, then there was 28 quid charges. wasnt happy, now in the process of getting most of the money back from pipex.but they are not paying the 30quid (charge for an unauthorized overdraft) the bank gave me a 50 quid overdraft, but at the time they didnt tell me there would be a charge. so going to chase them up about that.

[EmmaG]

BM I would write to them give them 14 days to pay telling them if they don't you will take them to court, I bet they will pay up! what a cheek!!

[CathyW]

Originally Posted by EmmaG

BM I would write to them give them 14 days to pay telling them if they don't you will take them to court, I bet they will pay up! what a cheek!!

im going into the bank on monday.i was getting to the point i didnt want to go pay any more money in as i thought they where going to snaffle it

[EmmaG]

How did it go BM???

Just to let people know the banks are still paying out, despite the action of the OFT against 12 of the leading banks.

If anybody is interesting you should have a read of a CAG members account of going to court last week, brought tears to my eyes laughing at the judges actions.

This is the thread
http://www.consumeractiongroup.co.uk...-kingston.html

and the post in question

_____________________________

Along with 30-40 others I was at Kingston upon Thames County Court this afternoon for a direction hearing with Barclays bank amongst others.

I know a lot of people are nervous about the possibility of going to court so I took a few notes with a view to reporting back and I must be honest it was a couple of hours of excellent entertainment.

First of all the cast.

The judge was a very well presented and instantly likeable bloke. A bit like Ken Barlow on Coronation Street. It was clear from the start that he wasn’t going to miss the opportunity to entertain in front of what was a capacity crowd in Court Two.

On the front row representing Barclays was a youngish lady in her late twenties looking every inch the up and coming Lawyer, impeccably dressed, hair tied up, small bifocals. She had a huge file in front of her containing the details of all the dreadful people who had the nerve to challenge Barclays.

To her left was a rather distinguished duo who were representing a No win No fee company and subsequently it turned out were representing a significant number of the claimants listed for the day

Directly behind them, relegated to the 2nd row was the rather sad looking figure representing Lloyds TSB. Compared to the snappy dressers in the front row he was clearly 2nd division and if on the off chance your reading this treat yourself to a new tie. No one is going to take you seriously wearing that!!!

The rest of the court room was packed with 30-40 claimants and you could cut the atmosphere with a knife as everyone was thinking the same “ Please don’t let it be me called first”

The first business of the afternoon was to deal with some overspill from the morning involving Lloyds. 3 or 4 cases had clearly been settled as a result of some frantic phone calls during the lunch break. The case names were mentioned and the bloke from Lloyds repeated several times weve settled. There appeared to be a dispute about the account number on one of these cases as the claimant had written the wrong number on his schedule.

Sensing his opportunity the man from Lloyds jumped to his feet shouting “Move to strike out the claim” “Don’t be ridiculous” retorted the judge “just put the correct account number on the schedule” We will settle” mumbled the man from Lloyds somewhat disheartened by his failure.

I personally don’t like to kick a man when he’s down but the judge showed no such sympathy. “Are you a barrister,” he asked “ No he replied” “ A legal clerk” no” “What are you then” asked the judge “ I used to be an old managing clerk”

A slight titter could be heard from the big hitters in ringside seats as the man from Lloyds buried his face in his papers.

Then from nowhere appeared a flighty young lad, plonked himself next to the Barclays barrister and in a lawyer sort of way gained the attention of the Judge. He was representing the bank of Ireland and needed to get away quickly so could he go first.

The judge obliged and the claimant in this case stood up. The flighty man from Ireland informed the judge that everything had been sorted out (They Settled) and the claimant had consented to the case being withdrawn. The judge asked the claimant if he agreed “ absolutely” he replied “I’ve got to get back and open up my pub and by the way there’s a Gin and Tonic waiting for you on the house”

The judge smiled “I better not but I’m sure my clerk could do with one”

Things had started well for the claimants and you could feel the relief in the court.

Next up was Nat West or well they would have been had they turned up. The claimant informed the judge that they had agreed to settle but he hadn’t had the money yet. The judge agreed to an adjournment to allow time for the money to be paid.

The young claimant wasn’t finished there. “Id like to apply for costs” he demanded. The judge didn’t look at all fazed and asked what he would like. Buoyed by this the claimant produced his civil procedure book, no doubt purchased from this site, and started to quote from it.

The judge appeared caught by surprise and stopped him. “ If you are going to start quoting civil procedure rules we are going to have to put you at the end”

The claimant left a bit crest fallen but lived to fight on later in the day.

It was then time for the first of the many Barclays cases. The case was called, the pristine Lady from Barclays flicked to the correct page in her huge file with ruthless efficiency.

Distinguished gent to her left rises and states he represents the claimant.

Pristine Lady states that Barclays have not received a schedule of charges so could not deal with the claim.

Distinguished gent states “that’s a bit surprising as they are stapled to the back of the Form N1 of which you have a copy”

Judge agrees and there is an uncomfortable silence as the pristine lady ruffles thru her papers.

“Ill have to take instructions”

“You do that” states the judge!! Adjourned for Barclays to get their Act together.

Then followed about 7 or 8 Barclays cases with the same outcome.

"No schedule of charges" she muttered.

I’ve sent them to you a hundred times shouted the claimant.

"Ill have to take instructions" ever more quietly

Then came the first mention of expenses from one of the claimants. “I’ve had to take a day of work to come here can I claim costs”.

The judge seemed receptive “What is your job” he asked

“Telephonist” she replied

How long have you been here?

“3 hours”

How much do you earn?

“£7 an hour”.

“That seems reasonable to me costs awarded £21”.

You could here the cogs werring in the brains of the claimants as they sniffed an opportunity.

Every case after that the opportunity for costs was ruthlessly exploited

“What do you do for a living sir?”

“Consultant sir” states the defendant

“How much do you earn an hour?”

“£50” stated the defendant

“How long have you been here?”

“Since this morning sir”

“£270 costs awarded”

“What about my car park bill that’s another £10”

“£280 costs awarded.”

One optimistic claimant even tried to get Barclays to pay for the possibility that she may be clamped in the local car park.

That was one step to far for the ever-generous judge who with a wry smile politely refused.

Next up Abbey National. Several defendants were awarded judgements and costs on an ever-increasing scale as Abbey couldn’t be bothered to turn up

Even the man from Lloyds was joining in the party. Realising that he was on the wrong side of a bit of a hiding he started advising one of the Abbey national claimants on how to calculate 8%.

One claimant from alliance and Leicester (Who also failed to turn up) was despatched from the court by the judge to find a calculator so he could add up the daily interest rate.

amongst the carnage There were a few successes for the banks

A couple of Barclay’s claimants failed to turn up and their claim was struck out. The not so pristine lady from Barclays asked for costs.

“How much do you earn” asked the judge.

Surly she wasn’t going to answer !! She muttered, stumbled then came out with the old favourite “ Ill have to take instructions”

The judge took sympathy on her and adjourned the hearing pending costs.

A couple of other significant things happened.

Alliance and Leicester had written to the judge stating they were going to defend one claim. The defendant was furious.

“They should have been here then” he snorted.

The judge with another crippling blow ordered full disclosure by the A & L within 14 days or their defence would be struck out

He calmed the claimant by informing him that he need do nothing and he should expect some sort of offer of settlement as soon as they receive that letter.

Several claimants asked if members of their family could speak on their behalf and this was allowed although to be honest it wasn’t necessary.

I left the court just after 3.30 having witnessed a complete route of the banks on almost all fronts.

Lessons learnt.

Don’t be afraid of the court

Do turn up

Have all your paperwork with you

Work out your costs and settlement figure before hand