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barclays hoping that i cave
i really dont get the bank i got a letter back over the time i gave them saying "i dont think your right but we will offer about 1rd of what claim is :confused: which i rang them up and questioned it they said "we aint in the wrong but we willing to pay up" that was after i put a court claim in which gives them about till…
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bank charges-what to do Abbey
I sent request for repayment of charges to the Abbey on 7.11.06 and received a `no chance` reply on 8.11.06. Following this a letter b4 action was sent out on 11.11.06 Ive received a reply today to state letter has been forwarded to the complaints department in Milton Keynes and under the FSA guidelines they have 8 weeks…
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New Claim on Several Accounts (Student)
Hi everyone, A little help or reassurance would be nice. I have several student bank accounts and credit cards and know that there are lots of charges that i can claim back. If i were successfull in my claim, what would happen, would they just debit my accounts with the claim charges, or would i recieve a cheque? Also, how…
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Nationwide
Hi there, this is my first post, I did do a search but I could not find any details on it! Firstly thankyou so much for doing this, you have made it look so easy! Which has given me the courage to do it! So thanks in advance! I have a query about the first step, requesting all charges, do I send this to my local branch, or…
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Joint account charges from 2005.
In October 2005 we went over our overdraft limit and incurred a £20 charge. Whilst over our overdraft limit a cheque was honoured which incurred a charge of £30. Can I claim this £50, when the fault lies with us for the reason the charges were incurred? Emyr Thomas.
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The One Account
I've been through a rough patch the last 18 months, and charges have been applied every month after the money ran out (Much better situation now though thank god!) My predicament is: If I sue for my charges back, and the bank shuts down my account, I could be out of a home!! Discuss........:confused: (Mortgage and bank…
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New Bank Account Question - About to Start The Process
Hi, im just about to start the whole process but wondered how i should go about opening a new account. Do I actually need to start having my salary paid into this account straight away and therefore switch over all my direct debits etc or can do this later if my bank (HSBC) does decide to close my account. Obvioulsy I…
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NatWest (merged)
I am trying to help my son reclaim bank charges from NatWest. Over the last three years my son has had to pay unauthorised overdraft charges every month of £28. This has often been charged even when it has been the previous months charge that has made the account exceed the agreed limit. He only works part-time and is low…
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Quick question regarding DPA request!
Hi, I am starting action against HSBC, there are three different accounts that are involved with them. Can I ask will i need to send a cheque for £30 or a cheque for £10 for them to release the statements for the past 6 years?
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Distress and Inconvenience.
Hi, I have noticed on another forum about bank charges that they have suggested claiming an extra amount for Distress & Inconvenience. Do you know of anyone who has succesfully done this? I hve many unpaid bills that I am struggling to pay due to my charges and I am also now signed off work due to depression (finances…
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court costs?
How much does it cost to take the bank to court when they won't pay charges back? I'm with Lloyds. I need to budget for the money as I know it's coming.
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Newbie intro - I have a few questions :)
Hi, I'm Amanda and I've been receiving Martin's newsletters for a few years but haven't posted on the forums before... ...until today, when my bank have charged me £28 for going 85 pence overdrawn! I have been juggling with the idea of taking the bank to court for the thousands of pounds they've taken from me in the past…
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Mortgage Early Redemption charges
I recently closed a fixed rate/term NR mortgage early and was charged more than £7000. I have argued with them including writing to the Chief Exec but have got nowhere. Any advice?
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In debt student, can I still claim?
I've been charged £100's in the past, possibly upto ~£1k (wasn't too good with money). Problem is that I'm still in considerable debt to two banks and several credit card companies. Should I claim my money back or is there a risk that my creditors will simply ask for the money I still owe? :confused: :confused: :confused:
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hi im new need help
hi ok you have prob heard all this before but im so angry about my bank ......... just this last week i had a £30 charge taken out of my money miss use of card they called it ........ this morning i got bank statment and i have to pay them another £30 in charges ok so i went over drawn but im sure its not fair to be…
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HSBC (merged)
i have just prepared my letter asking for the charges for the last 6 years or bank statements. on my statements i have a charge of £125, interest of £14.75 but also on my statement is charges totalling £160 for recalls, card misuse and unpaid bills. do i put down all of these charges on because it looks to me as if i have…
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Building Societies
Can anyone please tell me if you can claim charges back from Building Society current accounts?
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loan charges Sainsburys
Can we claim unfair LOAN charges. I've been charged for letters and phone calls around £25 for each. After sending them the pre-warning letter about court. Sainsbury's bank has written back stating that refunding bank charges only applies for overdrafts and credit cards. Is that true? please advice. Thanks L
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The 40 day limit - quick question!
Morning all, Just before I put pen to paper and let rip on the Co-op Bank's behind (so to speak), I'm wondering about the 40 days - does this mean 40 working days (i.e. 8 weeks) or literally 40 days from the date they receive the letter (i.e. just under 6 weeks)? And does this apply similarly later on when you're off to…
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Claiming in Scotland/ Time lapse LBA & action
Hi all, Would someone clarify the procedure in Scotland? I read that moneyclaim is used in England and Wales and the Sherriff court here in Scotland. I would really appreciate some help with this. I started the ball rolling in April- up to the stage of LBA letter to halifax- I was offered half of my request. It is now…
