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Credit Card Debt sold to Cabot Financial.
My son's credit card debt was sold by Barclaycard to Cabot. If he wants to obtain his back statements in order to calculate charges and penalty fees should he write to Barclaycard or Cabot Financial? Any advice appreciated.
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Waiver Review: It Stays
http://www.fsa.gov.uk/pages/Library/Communication/PR/2007/119.shtml
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Natwest Step Account
Ello all, I'm after some friendly advice. I have a Natwest step account. I know quite clearly that you can't get an overdraft charge on this account which is £28.00 pounds, as they don't accept overdrafts on this account. What i can't quite understand is how they can charge £38.00 for an unpaid Direct Debit charge. But you…
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OFT Publish Banks Test Case Defences
The OFT have at long last published the banks defences in the test case. The Office of Fair Trading: Personal current accounts in the UK - banks' defences OFT lawyers had been busy for some time ''redacting sensitive information'' before publication presumabley at the banks insistance but the page count of the OFT versions…
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Halifax / RBOS : £12 Offer now standard?
I sent a claim for approx £1800 to Halifax and they responded within the 2 weeks with an offer of approx £800 which they explained was the original claim minus £12. They stated that they didn't agree with the OFT ruling but made the offer as a goodwill gesture. Is this now a default response? Does anyone else have any…
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Halifax want me to change my account!
Hello all, i have just arrived home from work and found a letter from my bank,Halifax,suggesting i change my current account .They are saying that from the 1st Jan 2008 the requirement to fund my account with at least £1000 will be removed.It then goes on to point out that as i pay in more than £1000 per month, i will…
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Overdraft removed!
I have a current account with Lloyds TSB. I was in the process of taking them to court over the bank charges and had reached the stage where all I need to do is actually file a small claim. Everything was then put on hold and I still haven't taken them to court but I have sent all the letters to the bank etc... I know the…
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Withdrawn Offer From Bank
Hi All, Please can somebody in the know tell me if there is anything i can do... I was offered £3,500 as a bank charges claim and sent an acceptance form from my bank. I signed this and sent it back to the company who is dealing with my claim. On this form it stated that i would recieve the full amount in my bank account…
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Help Help
Hi, help please, can anyone advise, second posting any advice please. we have a court date on 3rd Dec this monday. We were awarded judement by default against RBS on 1st August as they had not responded to the court. on the 10th August they applied to the court to have the decision set aside hence the court date above.…
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Bank Charges cause you to go Over the limit - Who is responsible?
I just noticed the other day i had gone over the overdraft limit. Being curious i checked as i had worked out to the last penny i would be just under the limit before i got paid. However the bank had charged me for earlier charges and then caused me to go overdrawn. Is it right that the bank can then charge me, for taking…
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they owe us more than we owe them!
My husband ran up a credit card debt with Halifax before we met. I helped him to start paying it off. He also has an overdraft with the same bank and this went over the agreed limit when they took an unauthorised payment for the credit card which we had already paid that month. This incurred charges on the account which…
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Desperate need of legal advice
Yorkshire bank have me over a barrel, Around 18 months ago after a nasty split from my ex wife i was in a bad way, i was £30 under my agreed overdraft limit of £850 for some time and only paying in enough to keep my head above water. so yorkshire bank sent a letter informing me they had cancelled my OD and recomending i…
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Unreasonable charges for other services?
I set up a mini ISA share dealing account with Halifax Share Dealing Ltd. The account had hardly any balance in it and as they were charging me a monthly fee I decided to close it. To my annoyance they want another £48 as a closure fee. They point to terms & conditions that I guess I must have accepted but the charge was…
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Going to go for it....but need advice.
Right, going to go for my Beneficial cc charges back. Reason why this is'nt a straight forward claim is that i had a £5,000 limit. Lost my job and it got up to £7,900. I have now got it down to £2,900. Thing is, i have this arrangement with them (not in writing i'm afraid) that if i pay £100 p/m, they are not adding…
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What will credit card company do?
Hi, can someone help? What will happen if I successfully claim charges back from credit card company and they want to shut my account down and I have no means of paying it off?
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Reclaiming bank charges
Myself and my partner have a mortgage with Abbey and the monthly repayments come out of my account. Is it possible for my partner to reclaim his bank charges with Abbey? I know this will mean him closing his account with Abbey but would this affect the mortgage?
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Question about my credit card
Please do not move this thread! Just one question, Can I claim back my £12 charges even though in my terms and conditions it says I will be charged £12 for a late payment or going over my balance? thanks
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Barclays Claim??
Hi I sent a letter and cheque to Barclays for lists of charges and they have sent me copy statements for the last 6 years. What I want to know is should I send a letter requesting a refund of charges or should I wait until the test case has been heard? Also as i have 2 accounts with them do I treat it as one claim or two…
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Help needed with Grattan.
Hi, i really don't know what else to do about these people. I have emailed them asking for a full list of charges. Their reply was they could not send these as the account was with a debt collector :confused: . I paid the account in full on 4th October and my cheque was cashed. Friday I recieve a letter from the Debt…
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Can you still claim bank charges
Can you still send in a new claim for back charges please.
