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regarding overdraft
Hi in the example letter requesting the bank to repay all default payments it says in it..... "I do not believe these charges reflect the true cost to [INSERT NAME OF BANK] of going into unauthorised overdraft". I have no overdraft facility on my bank account, can i still claim from my bank even though i dont have an…
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Claming back Unauthorised Overdraft Interest
Hello, I was hoping to get some guidance / clarification from anyone who knows what charges can be claimed and what cannot be claimed. Can someone claim back interest charged by banks for an unauthorised overdraft which is charged at a higher rate (sometimes up to 29%) than the standard interest charged for an authorised…
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What should I do?
:j I followed the instructions to reclaim unfair bank charges and the bank at first responded with a letter of apology and a statement that they would get back to me within seven days. I waited the seven days and when no reply was forthcoming I sent my second letter threatening to take them to court. Today I recieved a…
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Breaking Data Protection
I've received a copy of my statements from Mint this morning, all there thankfully, along with a statement for another customer!! Just the one month, but obviously I assume this is breaking Data Protection laws, if not there own internal policies. So I was going to write a letter, both to the customer (as obviously now I…
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Lost and disposed off letters to bank
just thought i'd let you know what has happend today re claiming bank and credit card charges. mid Jan I sent letters to Lloydstsb and two to MBNA requesting statements for 6 years enclosing cheques etc. As the cheques have not been banked I decided to chase by phone. Apparently the Lloydstsb letter has been lost, however…
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Need help bank letter i got.
I have stopped having my benefit money being paid into my account as i had another bank charge they took money that was for tv licence and then i couldn't pay that or my gas i've got a letter in today stating that i've got a charge for the 2 amounting to £75.44 and i will be charged a further £28.00 per month till i pay it…
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What now?
Filed my claim with MCOL on 22nd Jan. Was ackowledged by bank on 28th JAN. What do I do now?? Do I just wait or do I need to do something??
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Advice please - More than one account
Hi Hope someone can shed some light on this. I have a sole account, a joint account with my wife, and a business account, all with Lloyds. They have all been charged unfair charges. 1) Should I claim for all 3 accounts at the same time? 2) With this business account I have lots of small charges (plus £30/£35's) - £10.00,…
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Reclaiming Student Loans Company charges
Can anyone tell me whether it is possible to reclaim the charges from the Student Loans Company as they are just as high as the banks charges and are surely therefore also illegal??
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help please!!
hi can any1 help me plse:confused: im a newbie and have tried to down load the forms for requesting my bank charges back but i cant get then to d/load,if anyone can help id be most grateful, THANK YOU , love n best wishes from bexy.xx:beer: :beer:
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Radio Cambridgeshire -juist heard this.
Tunes to local radio in error in wee small hours and have just heard this: 'And more on the Bank Charges Revolution-blahblahblah-more and more people are doing it-blahblahblah-with letters from the moneysavingepxpert(announcer stumbled over this)money saving site to reclaim their bank charges. The eople are doing it, the…
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Urgent Your Views On Overdraft Charges Needed
A National Newspaper is urgently looking for people's thoughts feelings and experiences on overdraft and bank charges. Please do help, just write down your thoughts below by clicking reply. I'm quite deliberately not putting details in here as I don't want to lead your opinions. Minor details would be helpful, and the name…
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help with final court stages
Hi wonder if anyone can help me i am currently taking lloyds bank to court and after various letters I have received a court date from my local court. The letter stated I could either appear in person or send a letter stating how I would like to proceed. I don't want to go to court as I am not a confident person at all,…
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Holiday amendment charges, can these also be claimed back?
I have had to change a holiday on two separate occasions. The second change was purely down to ourside as moving to next April meant the holiday fell compeltely into the school holidays. The first change was at my instigation but was because the resort had changed from solely one supplier to a multi-national hotel and thus…
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Inspired!
I'm new to these forums - someone pointed me this way, and I think I'm going to be forever grateful. I have been hammered with excessive bank charges these past few years, having to pay out exorbitant charges when I could least afford it. I'm totally inspired by these posts, and determined I will now take the banks on and…
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Time Limits on Bank Charges Reclaims
Hello Everyone, Is there any way round the time scale of 5 years in Scotland...I had a business account from 1996 till early 2001 and got hammered with charges. I have only recently discovered that these could have been claimed.
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Is it worth claiming
Hello I have been going through my bank statements, I have every one since january 2002 and I have also kept the bank charge warning letters that state the amount overdrawn,the penalty charge and date it will be taken from my account... Most of the charges occured between 2003-early 2005 at a glance there is around £200…
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What Financial Institutions....
..... can you claim charges back from? Sorry if its been posted before I couldn't find anything.
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Lloyds TSB charge - cunning or not?
I'll try and condense the story into something that makes a little sense! Back in September '05 my partner was overdrawn by about £5. He paid the charge of £30 for this. After stumbling across this site we decided to write Lloyds TSB a letter regarding this charge in January '07. This is the part I need advice on... Every…
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Are these charges Laws being reviewed in April?
Hi My name is Kathy, im new to all this, and finding it rather scary, Ive battled with barclays bank charges over the years, increasing loans to pay of overdrafts etc, all done secretly as I felt very ashamed. I sent my first letter in January to Barclays, as I had a parachute account (with Abbey and they have started…