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pursued for a relatives debt
Can anyone advise me what steps I can take to stop debt agencies coming to my door and generally harassing me for debts that belong to my parents. They have NEVER lived at my property. I used to live with them but when they sold their house {to pay off the large debts they had) I moved back in to the flat I own. I do not…
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Ulster Bank administrative letter - refund of charges on student current account
Hi all I received a letter from ulster bank last week asking me to get in contact about an administrative matter - if I didn't contact them within 1 month they would assume that I had moved addressed. If you also got this letter its worth making contact - they are refunding me charges taken from my student account (circa…
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Cheques sent & cleared - no sign of statements
Wow, I have just searched through my PC. Due to unforeseen family circumstances around the time of the cheques clearing I had forgotten about this. I paid 2 cheques to 2 banks, 2 different accounts with charges. I have not had the statements from either, but managed to access the account of 1 online. The banks themselves…
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Urgent legal advice, have been given 20 days to respond
Have on going issue with yorkshire bank, I am being taken to court for money i owe them. Basics is they cancelled my O/D then charged me a shed load for being over my limit which they had reset to £0. Had the usaul letters from bank then debt recovery then bank so on, i agreed to repay them less the charges but they…
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help, £75 worth of bank charges :(
hey everyone, been a while! i recieved a letter this morning from hsbc saying that on the 3rd of may £75 is going to be deducted from my account. charges and interest, £4.60 is interest and the rest is overdraft fees! i recently applied for a student account. usually when i go overdrawn i would recieve a letter 3-4days…
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common financial statement
I had my bank send me a letter saying they acknowledge reciept of my complaint about unarranged overdraft bank charges. It says they believe the bank charges are fair and that they do not believe the Social security act 1992 prevents a bank from applying charges to a customers account when they have insufficient funds to…
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£3.5 Million a year in BrightHouse penalty charges slip under the radar
Hi folks! By now, thanks to the sterling work of sites like this one, the media and general public awareness, the issue of "unlawful" bank charges is now regularly discussed in pubs, bars and people's workplaces daily. The message has finally been driven home, and the noose is tightening on the banks. However, there is a…
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Cards settled. Can mydad still claim?
My dad got into financial difficulty after years of running his own business. The stress of the personal debt on more than 10 credit cards actually trigerred a degenerative illness, which meant he was unable to work again and the card debts spiralled out of control and he had to sell his shop & home. He is a proud man and…
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close accounts or not - charges claims outstanding
I get to pay off my debts on two accounts with smile and one with A & Leicester soon. I have charges outstanding that I have sent letters to claim them back. Do I have to keep these accounts open until the verdict by the court in July 2008 to get them back or can I close them when I pay them off and still get my charges…
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Reclaim Bank Charges
What If It Was My Fault I Went Over And I Don`t Have An Over Draft Limit, Can I Still Claim,? I Have Online Banking
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Help - Bank withdrawing settlement offer
Can the bank (via their solicitors) withdraw an offer of settlement that was made 6 weeks earlier? We received an offer of settlement in full on 7 Feb which they were going to put into my husband's account. Trouble was, we closed that account a couple years ago (because of all the bad experiences of such Bank and the…
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12 Month Interest Free Deal
I recent signed up to a "12 month interest free" deal to enable my son to buy the new Nikon camera he wanted. Basically he was about £100 short but was desperate for it, so I got it for him using this deal. I intend to pay this off no later than say six months when he has saved the money, but find that to pay it off within…
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Ok...now what
I have been trying to get my credit card statements from lloyds TSB now for over a year, after £30 and several letters i went to the information commision who told lloyds to hand over the statements as i had requested. Lloyds have told me and the Information commision that they only have the first four statements on record…
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Claim in with bank - acknowledged but now falling out of six year statute.
Hi, I wondered if someone could help. I got my claim in about a week before the stay was granted for the banks whilst the big test case was being heard. I got confirmation from the bank that they acknowledged my claim (£1300 + interest) but that they were granted the stay and would be dealing with claims when the court…
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Want to help parents reclaim
My parents have an acount with lloyds tsb, which was formally a tsb acount. they have other accounts with natwest and the halifax but the trouble is with ltsb. Over the years they have had the account they have been charged nearly every month on there overdraft since i can remember as a child (im now 27) i have told them…
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Do You Think/know Whether....?
The present financial situation with Banks etc. will have any effect on the outcome of our situation? MM
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I sent a letter to Royal Bank of Scotland
They recently charged me £143 for going into unauthorised overdraft 4 times (£35, £35, £35, £38). There was also a maintenance charge (£10) and a paid referral charge (£30 pending). So I sent a letter saying I do not believe these charges reflect the true cost of going into unauthorised overdraft, and asking for my money…
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Abbey £20.00 overnight DC charges what do I do?
I overspent on my debit card with abbey to the tune of 41p, the night it happened i thought maybe i had overspent. Checked my account next morning (i dont bank online) realised this error and immediately redressed the balance, debit cards are supposed to wait 24hrs before funds are withdrawn, seems things have changed. Now…
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Desperate Dan
I Was Sequestrated By The Bank Of Scotland For An Overdraft Of 16000 Pounds In Which Nearly Half Were Bank Charges If It Had Not Been For The Bank Charges I Would Have Been Able To Work Through This Lean Time Do I Have A Case Against The Bank? Any Help Would Be Grateful? Thank You.
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I need help!!!
Hey everyone, I have entered into an agreement with my bank to re-pay my overdrawn status on an account i thought I closed. Basically I have agreed to pay £50 per month until the amount is paid back. I have been doing this now for 4 months, I went to my bank today to pay another £50 in only to find I have been charged £196…
