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mcol
Hi all Just after peoples experience of money claim online as i have just filed a claim against cap 1. How long does it normally take and what happens if they defend? will it be a waste of time and i presume i will lose my £35.00:confused: Thanks
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lloydstsb refused hardship case
I sent a letter to ltsb on 7th august requesting them to look into my case as financial hardship, i never received a reply. i sent another letter on the 20th august again no reply. i have now written and phoned their Customer support unit numerous times, but at last i got a response from a snotty man who basically seems to…
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Natewest trying to stay my credit card claim...
I recently filed a court claim to Natwest in regards to excessive charges which I encourted a few years ago on my credit card. The total amount I am after is £276 inc interest, after refusing £217 of the refund I have filed my case with mcol , today I received a letter from Natwest external legal team, stating in the…
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CC help please
I no longer have the Credit cards I used to have, I had 3. I have entered a trust deed English IVA) for these 3 credit cards (and more besides). Am I being completely daft in thinking that I could try and claim the fees back for these accounts? I no longer have the details of the cards as my Trustee dealt with it all. If…
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dd taken when i changed to new bank
i have been in the process of closing lloyds tsb and moving to another bank.....all letters have been sent to lloyds and they know the situation as i spoke to them on the phone last week (someone called me to see why i wasnt happy with them) - i advised them i was using an online switching site and the new bank would close…
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Halifax..rejected...now in Financial hardship..how to go forward?
Hi Had a look around but could not find my specific case. I contacted the Halifax, got the crages, put in the claim and they rejected it. This was now over a year ago (I put it on hold pending the outcome of the test case). What I am wondering now is should I contact the bank to claim the financial hardship route or do I…
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RBS Bank Charges
Has anyone got a good example of a letter to reclaim unpaid direct debits? I cant seem to find any. Thanks
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Bank charges reclaim help plz
Hi My bank account is based in England whilst I live in Scotland (moved here 6 years ago). Can I claim the full 6 years as the account is in England, or can I only claim the 5 years as I reside in Scotland? Does anyone know the answer to this? Have sent first letter asking for the 6 years, after receiving the bank…
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Claiming Charges under an IVA
Hi, About 5 years ago i had 3 bank aco!!!!s with loans attached to them, i was going through a rough period and struggled to keep up with repayments, therefore my account with go overdrawn and i was charged fees. For about 3 years i struggled and paid these charges/fees. In the end i could not cope and opted for an IVA. I…
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Nationwide Hardship refused
Please help I sent a letter to Nationwide requested bank charge refund under hardship rules. They refused as there had been no account activity since last March. I wrote to tehm again with I&E proof of debts and JSA. Had a reply off them saying position still stande due to none acount activity. Obviously I couldn't use the…
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Court Case stayed until 31/10/08
Hi Everyone, I received my General Form of Judgement or Order in September 2007 which states the claim is stayed until one calendar month after final judgement in the test case or 31st October 2008. And : "if no application is made to lift the stay or seek further direction before the earliest of the dates provided for the…
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HSBC - the current account change - can we still claim??
Hi All, New forum member....sorry if still finding my feet on here! Got a letter from HSBC today advising me that - "isnt it wonderful I've had a current account for 11 yrs and arent they wonderful that they are improving their service by replacing it with a new one on the 1st of December" . Apparently they stopped…
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Financial Difficulty Help! - Advice Please?
Hi, As most people, I received the newsletter the other day saying that there was a possibility of getting my bank charge reclaim looked at sooner if I could prove that I was in financial difficulty. As I lost my job due to ill health on the 30/6 this year and am currently signed off on the sick until 1/11 and have no…
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HSBC 'Overdraft review' charge
I have my current account with HSBC. I currently have an overdraft facility of £1250, which I am not in. I have received a letter yesterday saying my overdraft has been reviewed, and for the next 13 months my overdraft can stay at £1250. For this pleasure I have been charged £25 for the review of it. Aren't they generous!…
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Reclaiming Bank charges from Northern Rock
Is it worth trying to reclaim bank charges incurred in November/December 2007 now that Northern Rock has been Nationalised or are the rules different for a government owned bank? Thanks David
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coop credit card- info request ignored
had no response to my initial statement request, and calling them gets a curt ;it went to court, we are not interested' response.. i could not see sny suggested 2nd letter to use, so what do people think about this- Re. Co-op Visa Credit Card CHARGE INFORMATION- 2ND REQUEST I have yet to receive copies of the statements,…
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LOAN charges. can i reclaim?
I have a secured loan over 5 years which i took out in April 2004, unfortunatly during this period i have had some problems repaying it, arising in charges..... these charges now ammount to over £2300.00 and as my loan is due to mature in June 2009 i have been told it will continue untill all the charges have been paid in…
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claiming BC if paying min payment to creditors advise please
I hope someone can help. I Have fallen behind with payments on my debts, bank loans credit cards etc. I have just returned from CAB with a financial stetement to send to all my creditors offering them £1 per month as a good will gesture, and asking them to freeze interest on my accounts, this to be revised in a few months.…
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Assessment Charges
Apologies if this is being posted in the wrong area of the forum. The reason for this post is to recieve as much possible advice from others who may have heard of these charges. Very recently I was subjected to a 'Assessment charge' by my bank which according to them was an annaul review of my account which cost me £25. I…
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lloyds tsb not helping
i have put in a financial hardship claim with both abbey and lloyds tsb. abbey paid out £1150 of my £1300 claim within a week, and were very helpful and cooperative etc. lloyds who i still bank with don't seem to care. the 40day period was up last week, who i do write to now is it the fsa or the oft? does anyone have an…
