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Help - £100 Charge not yet taken
Hi I have been advised that due to my going overdrawn (unauthorised) last month (about £200 I think) I am going to have £100 deducted from my account on the 26th May. (In addition to the interest I have already paid.) I have tweaked one of the template letters but is that strong enough to stop the bank charging me ? £100…
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Bank Charges
Hi Guys I have sent requests to my bank asking for full refunds of all bank charges and went through each step on this site. They sent me back a letter saying that as it was going to court all proceedings were being suspended. Am i correct in thinking now that the people have won and now they should be paying out ? If so…
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Bank mistake - charge them for your administration fees
If your bank makes a mistake with your account, NEVER, NEVER, NEVER phone your bank (particularly if on a 0870 number) or pop into the bank to raise it. <?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p> <o:p> </o:p> Instead, write back to them, (as they wrote to you). They charged you…
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Unfair Bank Charges
Can someone please help!!! On Thursday evening we went to the Halifax bank to make a deposit in the ATM machine as some direct Debits were due. On Sunday afternoon we again went to the halifax and noticed there were insufficient funds in our account. We phoned the Halifax and they explained that if you make a deposit on a…
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Bank account closed after letter 1 sent!
Hi I used the template letter to ask for my statements and enclosed the fee, within 2 weeks I got a bank statement from Natwest with the balance outstanding (account was overdrawn) showing 0.00 and the entry read "BAL TO BBD FINCON" and the new balance box "ACCOUNT CLOSED". I called telephone banking and they can find no…
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Data Protection Letter Template
Hello I have just downloaded the first letter template "Data Protection" and was wondering if someone could just clarify what is meant in the 2nd paragraph where it reads "I understand that statements on their own are not covered by the Data Protection Act 1998, yet I’m not requesting the statements per se, but the…
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Started to reclaim charges
Decided to bite the bullet after reading various post on this forum. :money:I have sent letters (printed off here) to Barclaycard and Capital One with a cheque for £10.00 each. Will sort these 2 out first then move onto Rbs and Abbey. Will keep you informed of how i get on.
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Help... Overdraft charges! Arghhhhh
Hey everyone, how are you.. Basically I just signed up here a minute ago because I need your help/ opinions on overdraft charges... it would be amazing if someone could help me out with a conclusive answer! Im 18 years old... still in school in fact, full time. A few months ago I went to buy an Oxegen Festival ticket from…
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Help!!!
this is my first time at doing this so please forgive if it ends up in the wrong place.. Right, last year I entered the forms to take Lloyds TSB bank to court, I recieved a letter from thier solicitors saying that without predjudice that they argree to pay out but they needed further details (details they already had ie…
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basic bank account charges
hi can any one help i have a basic bank account for my income support,last week i went overdrawn by £4 now they say they will charge me £40 in charges can they do this
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not notified of bank charges....
This is a little off-topic for this forum but I couldn't see a better place to post it. I apolgise if there is one. I moved the the US a couple of years ago and have a bank account with the Halifax in the UK that I use to pay a few bills I still have going out. The amount that goes out of the account is the same each…
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Working out daily % on CC reclaim for MCOL
Hi All, Can anyone tell me how to work out the daily % rate for reclaiming CC charges when filing claim on MCOL. I have ticked the YES box to say that I would like to include interest & the system has asked me for this figure. I haven't got a clue how to work it out. (Senior Moment I think) lol
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No historical T&C's
I never did recieve a copy of the t&c used when I initially opened my current account. Does anyone think its is possible to obtain a copy of my application (1994)? I still use this account on a daily basis. If so will it have the relevent info (ie charges, fees etc) Or can I obtain t&c's from then?
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Its my fault, but can I reclaim?
Hi, I had an account with all & Lec Last year, My wife and I decided to get a joint account with a different bank to make managing funds easier. At that time I intented to keep my a&l account just for the benefit of the delta card. The account was £84 overdrawn but had a £100 overdraft limit so I wasnt worried. We moved…
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Overdraft/reclaim charges
Thanks for the help all. Does an overdraft fall under the section s.78(1)& s.71(1)consumer credit act 1974 ? if not what section should i quote trying to get my former bank to supply me with a signed copy of the overdraft facility i signed or credit agreement.Initially opened a basic current account but barclays changed it…
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what if i have 2 accounts????
Hi , can anyone answer this for me? I have 2 seperate accounts with Halifax- can I claim for both at same time with one letter or or they have to be treated seperately? Dont want to pay £20 if only need to pay £10. Thanx in advance
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MCOL or FOS??
Ok so which is best? Im trying to claim £386.66 from Mint which is including the charges and the interest. They have agreed to refund me £29.74 which is pitiful really. They told me on the phone today that they are not going to pay me the full amount at all (even though i told them that i would settle for the charges and…
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Can I reclaim charges if always overdrawn?
Hi<?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p> I'm trying to help my brother. He's always overdrawn and has loan standing orders coming out every month. Because of these he goes over the overdraft and gets charged again by the bank. We thought he should try to reclaim bank charges…
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my bank charges are stayed but now hsbc threatening to sue me!!!
:confused: HELP!!!! I had a claim against hsbc issued in march 2007 which was eventually stayed in sept 07 even though i am in financial hardship (benefits inc disability elements due to illness/lack of mobility) The bank and their solicitors are refusing to acknowledge this situation - even though i have pointed out that…
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how to claim back some of you unplanned o/d charges or returnd items
hello there i work for lloyds tsb phone bank so i can tell you how to claim back your charges the easy way (no cort case some 1 like me fills it out) ok first of all for you to do it this way you need to follow theese guids 1. you cannot be charged anything in the past 12 months in terms of unplanned overdraft charges or…
