No defence filed in bank charge claim

Thursday, May 31st, 2007

My claim against the bank for the refund of illegal penalty charges has either fallen through the cracks or ended up behind a filing cabinet at the bank’s solicitors, but whatever’s happened I called the court today to check on whether a defence had been filed by the due date over a week ago and the answer was no. This means I win my case by default! I’ve WON!

The nice lady I spoke to at the court told me I now have to send in my Notice of Issue form with part A ticked—the bit that says the defendant didn’t file an admission or defence—and part D filled out, which is where I list the amount, interest, and court fees now due to me from the bank, which ends up spending several hundred pounds more than if it had just settled when I first approached it with a demand for payment. As the saying goes, tough titty!

The total is nearly four grand. I am very, very happy right now.

if you haven’t yet started to pursue your bank, mortgage and credit card companies, check out the Consumer Action Group today.

I’m going to spend the rest of the day salivating over shiny new MacBooks and holiday destinations. I want to clear some credit card balances as well, but I am definitely going to make sure I get some kind of reward for all the work I’ve put in to date.

Currently listening to: Robbie Williams – Intensive Care – King of Bloke And Bird

categories: in the news