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Natwest - GBP 2.35 charge
Just received what looks like a statement from Natwest informing me that they will charge me GBP 2.35 next month for unauthorised borrowing. I never go overdrawn so I called them. "Well Sir, that is odd. You haven't been overdrawn for years. I can't see a charge being made and you're the 10th person to call today this has…
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Barclays Bank (merged)
hi, im still shakin, but i have just posted a letter to barclays asking for 200 pounds back. i am struggling with money at the moment and thought i would try, i felt strong this morning but i dont now. i am a worrier and i hope i can cope with this. how long before i hear something back from them. i am 1200 overdrawn. on…
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A Question of Risk?
Hello I have just found this site and so far have found it a huge iformation resource. Thanks very much. My question is this: I have a current account with Firstdirect with a £2000 overdraft with them, normally up to it's max by the end of the month, £1500 on a credit card and a £230000 offset mortgage with them. I have…
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What if the Bank is taken over by another
We belonged to the Northern Bank ( northern ireland) for over 25 years and am pleased to say have left them ...sorry we didnt go sooner. Please note "loyality means nothing to banks". Example of penalty charges for writing a cheque when over bank limit..... called a "referreal fee"...£11 per cheque! An unpaid…
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posthumous query
I was wondering if anyone knew if this could be done on bank accounts that are closed and the holder no longer living. My dad had a terrible time with a few creditors - they would have been business accounts and personal accounts and though he tried he couldn't get out of some accounts to relieve my mum of the debt which…
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Reverse a Default Notice?
Im not sure if this is right, but can i make NatWest Credit Card remove my Default notice from my credit history? Im not sure if this is right? I defaulted because my payments snowballed due to charges. If so is there a link to a form or pro-rata? I have just made all my letters and worked out what needs paying back lol.…
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But What If You Have Been Bad With Your Overdraft?
Hi, I'm new to the forum. I've just read Martin's article with regard to reclaiming unfair bank charges. Would I be right in saying that........ say you were a bit naughty, and now and again, you went £200 pounds over your overdraft. Could you still claim that these charges for an unauthorised overdraft are unfair? From…
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Credit cards
My gf is typing a letter to claim some C/C charges back. She had an Aqua credit card which is issued by Halifiax - does she write to Halifax or Aqua C/C services ?
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Channel Islanders & Isle of Man (merged threads)
I live in Jersey, Channel Islands and there was an article on the local BBC radio about reclaiming bank charges where a lady from the UK was taking questions. She mentioned this site (not directly, but in a cursory manner - lol. Don't the bankers (misspelt) just hate Martin?).:money: She then went onto say that due to lack…
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MBNA credit cards (merged)
Has anyone had any luck with virgin/mbna? A couple of months ago i cancelled my direct debit to them as i was changing bank accounts, then i made a payment with my debit card before the payment due date. they then charged me £34.09 'unpaid direct debit' and £12 'returned payment fee'!
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Natwest has filed a defence
Hello! Has anyone been in the same position? I'm claimimg against Natwest and they are filing a defence and I'm due to get a date to go to Court. Half of me is angry about all this (they've had thousands in charges over the years from me), the other bit of me is scared stiff about all the awful, imcomprehensible Solicitors…
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Intelligent Finance
I posted my first letter to Intelligent Finance on 6th November after reading up via the Consumer Action Group website (v good also!). Still no reply, and I am obsessed with watching for the postman each day!! Anyone else tried reclaiming from IF? Any hints or tips?!
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old charges account now closed and I can't remember my account no any hope??
Hi I was charged £100's if not £1,000's by Abbey National in 2002/2003, £30 for every returned item etc. I returned to my hsbc account and made arrangements to pay £160 a month to clear the overdraft (almost doubled because of the charges), thankfully cleared it a couple of years ago. Last year having a clear out I threw…
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Address for Smile
Hi there, I was just wondering if the address to send the data protection request letter to Smile is the same as the Co-op bank one in the addresses thread?
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Reclaiming bank charges with an overdraft
Hi, Has anyone tried claiming back their charges when they have an overdraft? If the charges don't cover the overdraft and the bank closes the account, how can you repay the overdraft if you have a bad credit rating? Kat
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What if I've moved?
Hi I've moved home a couple of times in the last few years. Does anyone have any advice / experience on reclaiming charges on accounts (now closed) held at a former address? I think I've still got some statements with the account no's that I can dig out. Thanks in advance!
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store cards
credit cards,store cards?? would i have to request 6 years of statements from them aswell?,and follow the same guide?:confused: im just starting the proceedure with my bank Barclays.....reckon its gonna get messy!
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Can I claim back charges off a closed account???
I had an account with Barclays and they have recently closed it as I am on a DMP. They actually closed the account without my knowledge, don't ask. Obviously the question is in the title, can I claim back the charges that were placed on the account while it was still open or will they kick up!!!!, to my calculations it…
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Hello folks... go get your money!
I have claimed back on 7 accounts (banks, credit cards and store cards), against one bank 3 times, and now moving onto the next one. Like 'shelling peas'! :beer: I am a site helper from another website mentioned on this website "consumer action group" and have popped my head around the door to say hello! Go get your money…
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Gm Card Says No Way
Have asked The GM Card to refund charges and been told no chance. I am about to write threatening legal action but would love to hear from anyone who has beaten them first. I am with the GM Card which is part of HFC Bank and I think its going to be a nightmare trying to beat them. WHAT SHOULD I DO???? I am only asking for…
