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Are the banks paying up yet
Hi I was wondering if anybody knew if the banks are paying up on either new cases or even ones in the court system . Also does any one know when the stays might be lifted regards beamo:confused:
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Joint account?
I have a joint account which was originally in my husband's name only. It was 5 years ago that it was changed into our joint names. Would I need to make two seperate claims - one for the original year in the single name and one for the 5 years on joint names? Help appreciated.
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What to do ???
Hi all Heres the deal I have put a claim in which has was sent about 2 weeks ago to Barclaycard and I have informed them I have put a claim in and that Iam not happy about constant protections for this and that....because Iam covered by my job ( which was and has been stated since day uno )..... so thats all gone in and as…
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New claim - Which Address?
Hello :cheesy: Can anyone tell me which bank address you put your original claim letters to - local branch or HQ / regular customer service address? Many thanks :T
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Natwest unfair charge
Hi Im new to posting on here but have been a member for a while and have found the website very helpful. Im not really sure where I stand on this I have a current account with natwest, which ive had for over 10 years, im fairly overdrawn at the moment (my limit is £3000) i knew i was getting close to the limit so stopped…
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Credit Guarantee Fees?
I have a mortgage which allows me to offset my savings against my mortgage balance (a type of ONE account) for this privalage I am currently being charged a credit guarantee fee. When I originally opened the account some ten years ago - this was not the case, but over the last three years I have paid in excess of £2000.00…
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can i still claim the remaing?
many months ago i subbmited a request for charges refund totaling £1600 they wrote me a letter stating it was justified but as a good will jesture they were going to pay £700 into my account within 10 days i never signed anything and no reply was asked of me but still recived the money, can i still claim the other £900?
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Another Weakness in Bank Contracts?
I haven't heard anyone mention this, but I have put this in my Particulars of Claim: Further, and in the alternative, the charges are unfair under the Unfair Terms in Consumer Contracts Regulations 1999, because there is no balancing clause in favour of the Claimant obliging the Defendant to compensate the Claimant in the…
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Can I get A&L to put a hold on debt recovery while reclaiming charges?
Hi All, First post after reading the forum for a while (and reclaiming £1.3k from Barclays last year!) My question: I have an account with Alliance and Leicester which I havent used for years. I was abroad for around 4 months over Xmas and the beginning of the year. I returned to get a letter from Alliance and Leicester…
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Can wife reclaim??
The wife opened a basic bank account with HSBC to get her Incapacity benefit paid into, this was great she had a solo card and couldn't overdraw by more than £10 just to give her access to funds less than £10 in her account. She was later awarded DLA whuch goes in a savings account, when she got this HSBC upgraded her to a…
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What are 'referral fees'?
I have recieved my 6 years of bank statements from Natwest, alot of the fees are 'referral fees' what are they? They are up to £75 each. There are also fees (not every month, but almost) which say the date then my account number and no other info. I was paying £6, then £8, then £10 and now £12 a month for the account, but…
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Help with est. charges
I recently wrote to NatWest to request the amount of charges I have paid. I gave them the number of my primary account thinking they would send me the details of that and my other two accounts as well. However, when I received the statements, they were for my main account only. Should they have sent me the details of the…
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hsbc charging for over drafts
I've just received a letter from hsbc asking for £25 for the use of an over draft even when I'm in credit and because I'm likely in the next few months to go into it - because my wage will remain fixed and the cost of living is rising quickly. they will also charge interest on the amount that the over draft is as well -…
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Bank charges
My wife recently was only £140 pounds into her £150 overdraft. Her Bank (Bank Of Scotland) decided to charge her interest which then took her over the £150. She then got charged £35 for going over her overdraft which was not her fault. Can the bank do this? She has phoned but the clown just said it was her fault, can…
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Ema
Hi, would ema be calssed asa benifit? Also due to the fact at the most i can only earn 120 a month as i dont work and only claim ema, would this put me in a possion of hardship? I mean today i got chagred 155 pounds, last month it was over 200 pounds and it seems they are taking more then I can afford from me. I have set…
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Reclaiming charges from a student overdraft?
I've had a student account with an interest free overdraft for the past 3 years with Lloyds TSB and over the years I've been charged a number of times. Was just wondering if it would be worth me going through the process of trying to claim these back as they occurred while I was in the overdraft. I just don't know what to…
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Statute of limitation
Can someone please supply me with a viable statute of limitation letter? Many thanks in advance.
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Claiming bank charges on an overdraft
Whilst I was a student I was offered an overdraft facility with HSBC and on completed of my degree(s) I was informed that I would be charged based on the amount I was overdrawn. This went on for about 3 years after graduating and I was actually unemployed for part of this time. Before I paid my overdraft off I went into…
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Can I claim for....
Hi All, I hope someone can help me. I've just got all my statements from my bank and I'm wading through all the unfair charges. I had printed off the information about what I can claim for and what I can't but I'm a bit confused about Account Service Charges? On my statements it just says "charges" and either £20 or £25.…
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Social Security Administrations Act 1992
After reading that it is illegal to take default charges from benefits under the act mentioned above, I contact my bank (NatWest), and drew their attention to this, asking that they refund all charges of nearly £2,000 plus any interest owed as a result. The local branch contacted me this morning and told me that the…
