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old Store cards and statements
Just got back my daughters charges from HSBC, waiting for mine now. A few years back i was in a lot of financial trouble with a credit and store cards. Since then i have had my debt passed from one credit agency to the next i currently have all interest frozen and pay a minimum a month payment. I cant remember which credit…
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2 quick questions
Im just about to send my initial letter asking for list of charges however (due to all the previous problems) I do not have a cheque book, should I enclose a Postal order or authorise them to deduct it from my current account? Also (although Im jumping ahead a little here), I see that there appears to be a standard…
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Help When are the 14 days up?
This may be a bit of a dum question. I filed a claim with moneyclaim on 4/4/07. It says that it will be seen as served from 09/04/07. LLoyds have until 23/04/07 to reply. My question is do they have until the end of today to reply and then I can ask for a judgement to be entered against them tomorrow if they don't OR did…
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why me
:mad: :confused: hi, are all my cc companies and bank ganging up on me? In all i have asked for 5 lots of statements from different banks and cc companies, in all 3 have replied, other two didn't even reply even after numerous letters, then the others after i requested that they pay me all the bank charges they have took…
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Intrest charged rather than a fee
Hi, Could somebody please clarify for me? I bank with Nat West and they charge interest on the amount I go overdrawn, as per their terms and conditions, rather than charging a fixed "penalty" fee. Can I still claim back six years of these charges in the normal way? Thanks.
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can anyone help
Am trying to help my husband reclaim his bank charges, his bank have sent the last 2 years details within the 40 days, the other 4 years still not provided, 40 days up. what can do we do next?
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Trying to claim my bank charges
After receiving my statements for 6 years I wrote to tsb with the first letter after 6 weeks i got a reply saying they had sent my letter to complaints departmant and i would get a response within 4 weeks, i got a letter on saturday saying we need more time we will try and get you a response within the next 4 weeks if not…
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Reclaiming Bank Charges - Which Account?
I have calculated that Halifax owe me £3,500 - but I have a frozen account with them which is in debt to a similar amount. Will they offset any refund against what I have as an outstadning debt in this account?
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Help - Claimed 7 Years By Mistake!!
Hi I'm new - can anyone help me? I started this whole process back in Feb and filed the court action against the Halifax on Friday. I was just doublechecking my figures on the interest calculator and I've realised that my bank has sent me statements going back to April 2000. By my reckoning this is 7 years. How will this…
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Lloyds
Lloyds TSB filed an acknowledgment at last minute on 17th April so they now have another 14 days to file a defence? I feel like only one everyone seems to be paid out before this stage?????
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Should i claim back £5 charges?
I have a Halifax account which goes back many years and origionally the charges were only £5. I belive this was a fair charge so on my second letter to the bank said that i would accept a reduced amount which was basically the total of all charges above £5. However i have not recieved a reply within the permitted time…
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Shall I get a solicitor?
I have been in the process of reclaiming my bank charges from Lloyds for over 6 months now. The process started with the request for charges statements for the past 6 years which highlighted the fact I was owed £550 plus interest. I sent the first letter asking for my money back and they sent the standard template stating…
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Help please! Bank not sent all 6 yrs statements!
Hi everyone, I would really appreciate it if someone knows what I can do next. My bank LloydsTSB has only sent me statements going back to 2003 on both of my accounts with them, I know that I probably need to write off to them requesting more statements, but I was wondering if there is another template letter that I could…
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bank charges any ideas?
can i start by saying that i personally had a success thanks to this website (£260 asked for £208 recieved . halifax) but i have also been working on a claim for my friend who is disabled, i am his carer and look after most of his paperwork. because of the way his benifits work he can be overdrawn every couple of months…
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When Bank Has Already Closed Account
Hi, I am asking on behalf of my daughter. Her Bank, Barclays has already closed her account in September (she has got in a serious mess). With the help of CAB, she made an offer to them but this was declined Her account had been referred by Barclays for recovery action. Can she still apply to reclaim the Bank Charges? I…
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Help needed re: Abbey & court judgement
Please please please can someone advise on what I should do now? I completed an N1 against Abbey for £675. The court issued an N205A but Abbey failed to respond. I therefore completed the form and the court has now seen in my favour and asked Abbey to cough up the money by sending a Judgement for Claimant. However, Abbey…
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what happens to charges applied after application to court
hi, since completing my N1 court claim, the lovely people at nationwide have since increased my charges to a further £80. i am already using a new bank account, so all that has happened is that my balance has gone further overdrawn. at the time of applying to court, my balance was -£60, it now stands at -£140. my question…
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A compromise?
Tomorrow I have a meeting with the bank about my finances, which I can only describe as going into meltdown. I have just turned 27 and have a fairly decent job (23k a year) but with outgoings each month I have just enough to sort my essentials such as food, petrol,taxes etc etc... A few months ago I accidently (entirely my…
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aiiiance and leicester, charges for not useing account
I opened a accurent account, with the a/l and while there, they got me to open a savers account, not telling me that if i did not pay in any money, they would charge, me £5 penlty,a month.Any way i never used any of the accounts, i had £114 in the current account but now a year later they say, they have taken that ,and i…
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RBS Claim in Engish or Scottish Court ?
My daughter has a closed account with RBS in Aberdeen but now lives in England. RBS have not responded to her 14 day claim for refund of charges of £1737.00. How does she proceed from here ?
