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tonight with trevor mcdonald
just starting bank charge backlash
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moved posts
Just list all your accounts held. You might need a separate one for the credit card as they tend to be run by a different department.
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First initial letter to bank for a list of charges
Hello all, I sent off the letter and the £10 check to get a list of charges for the last six years from the Abbey. Today I received statements for only the last year !!!. Could I ask If any one else has had this problem and If so what should I do next. I am not sure If the rest of the statements are on their way or should…
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1,000,000 template letters downloaded? Follow the count
As we approach the 1,000,000 template letters downloaded from the site, it seemed like fun to give you a daily count. While the first Bank Charge Reclaiming article was on this site way back in early 2006, the template letters weren't added until November 15 2006 Tuesday 20 Feb 7am: 845,000 reclaim template letters had…
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bank charges
if i do eventually get back my bank charges , can the banks carry on overcharging our accounts in the future
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Loan
Advice please. I have both a personal account with the HSBC and a joint account with my wife. Both accounts have had over £400 each bank charges over the last 13 £900+months for going overdrawn/above limit. I am considering reclaiming these bank charges HOwEVER - we have a £1500 overdraft on our joint account and I have a…
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the law. please help
If i have gone over my overdraft limit by thirty pounds and the bank charge me thirty pound is this proportional to their costs. The core rule is if there’s a breach of contact under English or Scottish law, any charge should not exceed the cost of the breach. In other words, banks can only impose charges which are in…
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Just extended my loan, wish to stay with the bank
Hi all, I'd like to ask what other's experiences have been with reclaiming their charges. I'm with Abbey, have just extended my loan by approx £4,000, and also have an overdraft with them. I have definitely racked up approx £600 of bank charges in the last 6 years, and would very much like to reclaim them. However, given…
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Are they allowed to chase me for money yet?
Wonder if somebody could clarify something for me. I am a regular viewer of this particular forum, and I'm currently going through the process of reclaiming the charges through court - its just something that I'm intrigued about that I'd like to ask you all about. In the banks standard "final decision" letter, they advise…
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What's happened to the Bank addresses
Can anyone tell me where the addresses to reclaim have gone please?
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sending claims to court
does anyone know what department of the court you have to send your claim to (so i know which court to refer my claim to) if bank dont co-operate
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reclaiming and managed loans
Hi all, I am a customer of HSBC bank. I believe over the last 6 years I have racked up a lot of charges. I was in the situation where I was maxing overdrafts and credit cards and then taking out loans to cover them only to do the same again. Eventually I was told I could only have a managed loan. This obviously means I…
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Should I skip to letter 2 please?
Hi, 2 years ago I was ill and despite my father requesting all direct debits to be cancelled the bank didn't do it instead ran up charges upon charges to a total of £860 in 6 weeks! Last january my business support agreed to credit these back but didn't.A debt collector is now chasing this amount so I called the bank. I…
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Interest charges or fees?
Hello..I get charged about £30 interest each month on my overdraft (it normally stays within this limit) - am I right in thinking this is NOT something I can claim back? Hate to miss out on a good thing if I can tho...!
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Settled Out Of Court - Too Late To Reclaim Court Fee?
HI I started the moneyclaim process and 7 days before bank had to file its defence they phoned me up offering me £600 i originally claimed £1277 (£1054 plus interest) + £120 court fee. They asked how much i would accept and i said the original amount minus the interest. They agreed to this. But is it now too late for me to…
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Help
What do I do, I posted by royal mail on the 13th february a recorded letter to Lloyds TSB headoffice in Gresham Street London, I kept tracking thru the royal mails website and it has never been delivered, I subsequently e-mailed royal mail to chase it up for me, and they replied by saying that they have no record of it…
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Charges that have already been reimbursed
I have recieved my breakdown of charges over last 6 years from the Woolwich and this amounts to £912.50. I do know that over the years I have argued these charges and have had some of these included in the breakdown reimbursed already. Trouble is, I can't work out which have been reimbursed. I have got my letter ready to…
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Parachute account - help and reassurance wanted
I have an odd mental block on opening a parachute account. I know it's a very prudent thing to do before starting proceedings, but I'm procrastinating about it. I haven't opened a bank account for 20 years. I have no idea what I would need to do, but the main issue is that I have this idea that they'll ask me why I'm…
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Natwest reduced my overdraft BANG from £700 to £100 because i won.
After claiming back £1602 from Natwest and getting it transfered to my account My account being -£24 (after transfer) with an agreed £700 limit, i just received a letter from the collections centre as follows I refer to the above account to which an agreed refund of £1602 has been credited. As you have not used your…
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An idea
With many ppl, the length and breadth of the country obtaining CCJ against banks, is it possible to register them with credit ref agencies (e.g. experian or insight) so as to damage the credit rating of banks?