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Advice wanted
I had a bank account with abbey. I have over the years paid some £4,000.00 in bank charges for unauthorised overdrafts, unpaid direct debits ect. I was going to try to reclaim my bank charges from them, so I opened another account with TSB and tried to close my abbey account. My account was in an unauthorised overdraft…
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Credit Card reclaiming
Hi Last year I sucessfully claimed old bank charges (thanks to all help and advice from this forum - and others) I'm now looking at reclaiming Credit Card charges, but this is a little more complicated as detailed below, and I want some advice on where I go. I used to have a CC with Lloyds, until very recently it was…
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Accepted a settlement......
I reclaimed my bank charges with several banks successfully just before everyone started doing it....... As a result I was a bit sceptical about whether I would get my charges back. As result I accepted a lower offer as settlement of my claim.:mad: Does anyone know if I can now claim back he remainder or has that ship…
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BoS - Charged for going 37p over limit!!!
Hi all, I'm currently in the process of moving from Bank of Scotland to Lloyds TSB as BoS have messed me about for the past couple of months with my Next direct debit. Anyway, Lloyds were taking care of moving over all of my direct debits, but I've gotten home today to discover that one sneaked through on my BoS account -…
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Bank letter today ???? confusing
:confused: I had my bank sen 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…
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mortgage exit fees
hi,feel free to move this if it,s not in the right place.read martins article about mortgage exit fee,s on monday phoned brittania to ask about the charges we paid when we moved our mortgage 3 years ago.had a cheque for £250 this morning:j .thanks martin :beer:
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£50 refunded
I knew the charges were coming. I checked my account just after the payment took me a few pounds over my agreed overdraft limit. I received the letter from Abbey telling me I was to be charged twice and that the total was going to be £50! Polite words were not the first to leave my mouth... The charges came out today and I…
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reclaiming bank charges
if my bank has signed the waiver while this oft test is carried out (or whatever it is) can i still make a claim to reclaim my charges? i'm unsure:confused:
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credit card charges
Hi Everyone, the past 3months i have been late paying my virgin cc , only by one day, but have been charged 12 quid on each occasion, how do i go about trying to reclaim them? Thanks, Chris.
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Childs Halifax Account Charges help
Hi This is my first post so here goes... My parents opened an account for me with Halifax in 1982 (circa) and deposited some money - my name and fathers name (as guardian) was on the account. I'm about to call them to see how my account is doing but have heard that they charge on accounts - can they do this on childrens…
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Claiming Post 06/07 Credit Card Charges
Hi Serached and Searched for the answer to this one, obvioulsy looking in wrong place. Can you claim charges back on cards taken out after June 07, i.e. those that only charge £12 late/over limit fees. Sent off info request for hubbys older cards today - he is bound to have bought the wine for shareholders meetings for the…
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Bank Charges but only got 30pound!
:hello: I have had a letter back from Abbey regarding my bank charges. I have asked for 120pounds back. They have been pleased to tell me that i will be refunded 30pounds. Because my partner has now lost this job, the full 120pounds would come in handy, but they stated in the letter that ' whilst i can see that your wage…
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Capital 1 & Lowell Financial & £600 in charges!
Hi all, New to this part of the MSE Forums, I normally hang out with the debt-free-wannabees! I have a question that I think is best asked here rather than there though, so here goes; In 2004 I applied for, and obtained, a Capital One credit card with a £200 credit limit. For several reasons I couldn't keep with the…
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Natwest Advantage Blue - Bank Charges HELP!!
Hi, I'm a student, I wanted to quickly open a second bank account so that the money from my part-time job and student loan could be easily be seperated to avoid confusion. I decided to sign up with Natwest quickly online, they didn't ask for any ID, in a week it had been opened. Then I got some papers about Advantage Blue,…
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overdraft
Hi my agrreed overdraft has gone beyond agreement due to bankl charges i agreed to pay the extra off monthly but this week had to cancel the monthly payment due to lose of job i rang the halifax and they would put hold on for 2 weeks today i spoke to the head office arrears to re set monthly payments but ran out of credit…
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Changed Address
Where do I stand if I have changed address since I held my bank accounts and credit cards with charges? Do I just write the letters as normal from this address, letting them know my previous address?
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Overdrawn!!!
I have had many many charges because I have gone overdrawn, what I have done now is move all my direct debits and stopped my salary going into this account. Most of the charges have been applied with notification or letter from the Abbey. Most of the charges have been through Visa and the bank say they honour these…
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Scottish Courts' claim form jargon
I write as a last resort. I had spent an enormous amount of time researching the use of words to be used on the Small Claims Summons Forms 1 and 1b for the Scottish Courts, only to be told that the wording is not correct by the local Sheriff's court in Orkney (Scottish northern isles). They want me to put in box 4 (Claim)…
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Is this a current account, loan or credit card??
I took out a Bank of scotland preferance account at the same time as a loan and want to claim the charges back on this, but I'm not sure if it is considered a loan, bank account or a credit card. I had a switch card and cheque book for it which is kind of like a bank account, but everything else was the same as a credit…
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Capital 1 default...help needed!!
Dear all, Advice needed!! I had a Capital 1 card in 2005/6. I defaulted on the card but had approxamatley £400 in charges added to the debt. It was reffered to a company called Lowell Portfolio. I have paid off all the debt to Lowell, and have written a letter to Lowell/Capital 1 asking them to remove the default notice as…
