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sTUDENT BANK CHARGES
Hi Ive Got A Graduate Bank Account With Barclays So I Only Get Charged £10 If I Go Over My Limit.......some People Say That This Is Within The Legal Limit For The Banks To Charge You So I Cant Claim.....and Others Say That All Charges Are Illeagal And I Should Put A Cliaim In........theyve Charged Me About 4 Times A Month…
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Reclaiming in Scotland
Hi, my first post here but I've certainly learned a lot as a lurker :D Question is: I live in Scotland (and have done for at least the last six years) but my bank branch (Barclays) is in Manchester where I opened the account as a student. If I reclaim the many, many bank charges I've paid over the last six years, would I…
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Subject Access Request Smile
Hey there, I asked my bank (Smile) about a week ago via Secure Message to give me details of all the charges that they have levied on my account, and they wrote back yesterday that I would incur an extra £10 charge for them to give me all the details. Should I accept this and just add it to the list of charges that I was…
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mortgage charges unfair
My mortgage which I took out with GMAC this year has been sold to North Yorkshire BS, they are going to charge me £50 every time I make a overpayment, is this an unfair charge and can I therefore reclaim it?
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Capital One
I have been ignoring the continually building up letters from Capital One regarding my debt, plus also the debt collectors letters on behalf of Capital One too, mainly because I have been ill with my health. Ok I know its no excuse and I really shouldn't have but I was in the mind that if I threw it away and buried my head…
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How will reclaiming bank charges impact banking discussion
This thread is specifically to discuss thearticle PART II: The Rights and Wrongs of Reclaiming Bank Charges To discuss or ask a question about this article: click reply Please note if you want to discuss how to reclaim charges then this isn't the place - do it here.
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Reclaim Unfair Bank Charges Discussion Area
Please note this thread is now closed (not because of a new article - the thread got so long it was difficult to open). It's continued in article discussion part II This thread is specifically to discuss the content of the new updated article How to Reclaim Unfair Bank Charges (this discussion replaces the discussion from…
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can I claim back compensation as well as the charges
My mortgage is with abbey and about 2 months back I was on manual payments but for some reason the person who was doing this forgot to stop my direct debits so since then it has caused all kinds on problems they have admitted liability but can I also claim back compensation for all the trauma this has caused me. your help…
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Alliance & Leicester (merged)
I sent my data access request letter, and within the 40 day period I have recieved absolutely nothing from Alliance and Leicester, no confirmation despite chaser letters being sent recorded delivery, although they were pretty quick to cash my £10 cheque!! I sent an e-mail to the managing director of A&L this morning saying…
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Can a get a debt consisting entirely of bank charges reduced?
Hello - I wonder if anyone can help me... I have an outstanding debt of about £500 that the Royal Bank of Scotland are chasing me for (actually being chased by a company in glasgow who say they are a debt collection agency working on behalf of RBS). They're ringing me everyday, it's been going on about a year, and I'm just…
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Claiming Loan And Mortgage Charges (merged)
I wonder if anybody could help me. I have been charged £18 for receiving a letter and £18 for telephone calls with regards to late payments on my loan account. AS far as I am aware I am also able to claim these charges back. Coulde anybody give me some advice on this. Also I need to write to them if that is the case. What…
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Charges not my fault
I don't know if this is the right board, but I'm hoping that someone will be able to help. Last month for the bank paid out over £500 in a non authorised transaction, done on a card that is no longer vaild. It took them over 3 weeks to sort it out and due to the amount took me over my overdraft limit. The bank is now…
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Received statements NatWest
:hello: Hi Guys, I'm sorry if this question has been asked a thousand times already but i just need some clarification before i shoot myself in the foot :eek: i received my tatty envelope full of statements form NATWEST. Now i have worked out that they owe me ove £2600 :eek: I have just gone through my statements one by…
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Any Chance?
Hi all, Have just been on the Which website to try and get advice on how to reclaim any bank charges and they have some drafted letters to download which is very helpful. :T However, letter two states that I am a loyal customer and I have maintained my account well blah blah. My question is what if you havent maintained an…
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My battle with the banks
Thought i let you know how I am doing against the banks. After reading the treads and adding up how much they need to refund me i sent to the banks the first letter and a second warning letter. Halifax owes £520 plus £25 for my fees and interest on those charges. One recieving the second letter they 'phoned me up and…
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Accounts without an overdraft?
Hi everyone, Just after a bit of advice. I have a basic bank account that has no overdraft facility, which is linked to my Paypal account. A few months ago I bought an item from e-bay whcih meant my balance went negative which I failed to notice and got hit with two bank charges. As this account does not have an overdraft…
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Ok But What Address.
Ok cutting a long story short. I have just started a DMP and Natwest are one on my creditors and I don't see why I shouldn't pay some of the money back to them by reclaiming the charges they have put on my account over the last few years. But what address do I write to the get my last 6 years statements??? And does anyone…
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Spare posts
Erm, just read the above and thats a bit worrying I have an Abbey account, sent letter to them 2weeks ago this Friday to start the process of claiming back bank charges. got 1700 overdraft. Will they close the account and expect the overdraft back there and then? Bit worried now!!
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Has anyone
Not re-claimed the whole fee, just the amount that people consider to be unfair?
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Bank Charges Nerds Required
Hi BC Nerds.... As you'll see there's a new forum, and a big new article (going up tomorrow). In the past many have found difficulty in getting all the info in one place - and while CAG is great, for many scared by the court cases and for whom this is a nightmare of uncertainty - its been difficult to find the info. Thus…
