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I get Bank Charges Everday BUT I cant Pay
Ages ago i had a loan and when it came to paying back i simply couldnt. I had to take the loan to pay off other debts. However i also fell ill and have been on Incapacity benefit getting £63 a week. So it meant the loan came off but i am now due the bank the money. Lucy for me i had another bank account and my benefit is…
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8 Weeks Nearly Up - What Next?
I'm trying to reclaim from Nationwide via hardship route. First they refused without requesting I & E, so I complained to the Ombudsman. They rang me about 3 weeks ago to get some more details and said I would hear something in writing by the end of that week but nothing came. Their standard 8 weeks to reply is up on…
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bank charges help
I hope you can help, I have just sent my 3rd letter to my bank saying if they dont repond within 7 days I will procced with court action. Where can I get help to do this in Scotland. I am claiming nearly £5000 which I really need as I am having problems paying all my bills , I have made the bank aware if my situation.
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Need alittle info.
Is it really worth claiming bank charges with hsbc? Will i need a parachute bank account, and how far back can you claim? And, can i only claim certain charges? Sorry, the websites can be alittle confusing. I hope someone can help. :)
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2nd time around Natwest - some questions.
Hi guys, I claimed back my bank charges almost two years ago and opened a step account (parachute acct) at the same time. Things didn't go to plan afterward though and the money problem has got worse, not better -- and they're still charging me the earth. I've decided to claim it all back AND go for unauthorised borrowing…
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A little advice please
Hello all, just after a little bit of advice. I went 5.18 overdrawn on 2nd Oct ( I have no overdraft on this account) and only noticed it the next day when I promptly paid in some money to put it right. I got a letter from my bank (Lloyds Tsb) on Friday saying that because I went overdrawn they had provided me with an…
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Please Read This
I HAVE JUST SPOKEN TO SOMEONE WHO WORKS ON COLLECTING MONEY FOR THE BANKS ...UNFAIR MONEY. bASICALLY HE HAS TOLD ME THAT WE AS CUTOMERS RECLAIMING BANK CHARGES HAVE NOT GOT A LEG TO STAND ON AND ALL THE ADVICE WE ARE BEING GIVEN IS RUBBISH. tHE BANKS WOULD NOT SPEND MONEY ASKING FOR THIS MONEY BACK IF THEY THOUGHT IT WOULD…
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Bank charges and baliffs
Hi i hope someone can advise me. I recieved about £600 of bank charges back from Abbey in April 2007. I have nt used my account since but they have been sending me letters sying that my account has gone overdrawn since then for going overdrawn. I spoke to someone from Abbey the other day and he said it was charges from the…
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NatWest phone number hangs up on me
So, I made a charge refund claim and NatWest sent me a letter telling me to call this number: 0845 301 2783 to discuss it. I've called this number about 4 times (different days, different times, doublechecking that I got the number right) and every time it hangs up on me. Anyone else had this problem?
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re claiming bank/credit card debts while under a debit management plan
Hi, I am about to start the process of re claiming my bank and credit card charges but I am currently paying off my debts through payplan. Would it be safe to pursue these companys for the charges owed to me or could they pull out of the DMP and demand the full balance immediately.Also I have debts of around 25k and am…
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help...advice please???
Hi, I have 3-4 overdrafts each for about £250 ish...i ha repayment plans on all of them and they are all slowly but surely going down apart from Natwest. I went in on the 29th september and paid £75 in which brought my overall overdraft down to £184 something pence.....however today i got a letter through the post syaing i…
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Success with Nationwide
I can't believe my luck!!!:j :j :j :j Nationwide have paid out!!!! I wrote to Nationwide before the hold went in place for a refund of charges and they wrote back and said basically no way. For the past six years i have had charges of about £5000. I was going to put a claim through the courts but was so fed up and hard up…
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Bank ignoring my hardship
I am in exactly the same boat, I am with Lloyds TSB, the last time I spoke to them they offered me an "agreement" where i pay £20 off my overdraft every month, which I accepted just to keep them off my back in the hope that the test case would be sorted out in a few months, but my overdraft hasn't gone down so I have just…
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Halifax Charge £100 for being £4 overdrawn
My 18 year old daughter has an account with The Halifax and received a letter today 3 Oct 2008 detailing the following: "We are writing to make you aware that your account is over the agreed overdraft limit. As a result you have incurred charges on your account. Details of the charges you have incurred are shown in the…
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Halifax bank charges catch 22 HELP!
ok, long story but really need help please! My partner banks with Halifax who have charged him for being over his over draft,(even though 2weeks ago he was told he would not have any more charges and the past two would be refunded,this didn't happen!) so he has now been charged 19 times £35! You do the maths! The Halifax…
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A & L Bank charges, anyone ever been successful in reclaiming?
Hi everyone, Just wondering if anyone has ever been successful in reclaiming charges from A & L? I worked in America for 3 months, when I left the UK the balance was at 27p (as this is not my main account) I came back to find they had charged me £5 for underfunding which took the balance to -£4.23. They now plan to charge…
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bank charge for being overdrawn !!
ive just had a look at my account today and a direct debit been refused on my account due to lack of funds and they have charged me 19.50 is this fair ???? how much does it cost them ??? what should i do ???
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What a Joke.. the ultimate RANT!
Well with all the Bail outs and banks basically getting everything they want due to there poor managent and business decisions.. we are all still here going no where.. When is something going to be done about it? its an absolute disgrace, I'm sure other as well as me are sick of it all being stuck in a rut and unable to…
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Smile list of charges - please help me understand them
Hello :D I have put off re-claiming from Smile for way too long because the list of charges they sent confused me too much. They have listed amounts under the headings 'commission', 'commission refund', 'credit interest', debit interest' and 'tax on credit interest'. I assume that the only items listed that I can reclaim…
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The NEW way of unlawfully charging you!!
Hi, It seems the banks have got a all new way to charge us as they are probably worried about the case for unlawful charges. They now charge you for a "service" which they offer, for an unauthorised overdraft. (well i know barclays and A&L do). This is even more unfair than charges, as it gets you into a viscious circle…
