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What are the financial hardship criteria?
I have received a letter from the bank asking me personal details to prove I am in hardship. What criteria do they accept as proof? Please and thank you.
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reclaiming credit card charges
hi all, wondering if anyone can help me with a question I have? I have two credit cards both of which have been passed to debt collectors and I am paying them off slowly but surely, my question is that most of the debt is charges on the cards and I was wondering if there was any chance I would be able to claim back the…
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Bank chargers
Hi Guys Im new at this so excuse me? Can i claim back chargers from a bank account and a mortage account that closed November 2002. I only ask because I am in a bit of financial bother and this would help ten fold. Billy bason
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I'm new to this and need help
hi everyone Been thinking off doing the bank charge thing myself, but want to know whats happening with it and are people getting payed out??????? I've got my letter ready to send but need more info!!!!!!!!!!!!!!! Regards James
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Bank account charges need reclaiming, but what about mortgage?
Hi folks After the success I've had from advice on this site I was advising my Dad that he needs to start proceedings to reclaim his bank charges, but his circumstances are different to mine, so I wonder if anyone could give me some advice to pass on? Basically, he's added up the charges from this year alone and they total…
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changed address what should I do?
I recently moved house and was wondering who I need to contact in regards to my claim?
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Quick Question
My claim is on hold at the moment and has been for over a year!, If I incur charges after the period I claimed for, can I add these charges to the orginal claim or do I need to put in another claim?
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Bank Charges reclaim help please
:confused: please help anyone i have recieved letters detailing bank charges but not what they are for,do i not need statements to continue claim
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Voidable Credit Card/Personal Loan Agreements
Hi Has anyone used one of the firms pursuing lenders to have the debt wiped clean due to errors within the original card or loan application form since the Wilson & Another v Hurstanger Ltd case?
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2200% interest? annoying bank charge
Hi, A few weeks a go I managed to go into an 'unplanned' overdraft on my Lloyds TSB Current account to the value of £1.44, I didn't notice this for a few days but when I did, deposited money to clear it. I always assumed I had a 'buffer' of £10 but on Monday I received a letter saying I was being charged £33 for Lloyds…
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reclaiming from the ulster bank. help anyone?
I have put all my letters in to the ulster bank - they refunded me partly wrote back to them and told them i would start court action if they didnt pay the remainer - they told me to go ahead. Started court action - claims pack has been sent out to them - they have until tomorrow to respond. Does anyone know what happens…
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Alliance & Leicester Hardship Claim - 1/3 payment made, how do i request the balance?
I made a claim to A&L for £1100 and took this through the FOS as a hardship case. A&L made a payment into my account of £350 and sent me a letter stating they have reviewed my case and this was what they were willing to pay. The thing is i am in desperate need for the rest of the money, i have rung A&L but the lady on the…
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financial hardship
I have a claim for bank charges in court awaiting test case result.Have claimed financial hardship with Halifax in the meantime.I am already on a payment plan with the Consumer Credit Counselling Service so sent a copy of my budget to Halifax as proof.Halifax has offered about a quarter of my original claim.This took about…
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Quick question: Can you claim back the £10 SAR charge?
Is it possible to include the £10 Subject Access Request fee when you make a claim through the courts? I didn't do this with my previous claim (which was settled early in full after issuing a claim via MCOL) but if I can get another tenner out of £%&£-Cards with my next claim then I'll gladly include it if it doesn't…
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HSBC Charges
I am new to this so sorry if someone has already asked the question. I have an HSBC account and if i go over the arranged overdraft limit i get charged the same amount i.e if i go over 10 pound i have to credit the account that and then at a later date i get a 10 pound charge, this is the same if it was £70 pound over i…
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Halifax bnk charges
I had a direct debit come out of my account and it took me 33p over my £250 overdraft, i was charged £35.00 Then the next day another direct debit left my account for £5.99 taking me £6.33 over my limit and i was again charge £35.00. this direct debit was for mobile phone insurance as when i took my contract for my phone…
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Can I do this more than once...
Hi, I made a claim about a year ago with Barclays on one of my accounts. They obliged and gave me back around £200 of historical charges. My question however is... I have another account also with Barclays. Am I able to make another claim / request with this other account. Even if it is with the same bank which I have made…
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TSB account holders
hi ,all i know this isnt about bank charges but i just wanted you to all know, ive just checked my account to day, and basically my account has gone o/d due to fraud, the first was for £2.00 it says who its to and ivephoned them and they dont hold any record of my name , so some 1 has used my details to pay this £2.00 but…
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Default on frozen overdraft - linked to bank charges
I have recently checked my credit file and have a default from the Abbey. This is because they say i havent paid back my overdraft. The Abbey say they wont remove the default and even if I pay the overdraft the default will remain (though will state 'satisfied'). The problem is that Abbey agreed to freeze the overdraft…
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Banks in overdraft charges appeal: BBC 28/10/08
http://news.bbc.co.uk/1/hi/business/7693229.stm "UK banks will appear in the High Court later to challenge a ruling that the Office of Fair Trading (OFT) can decide whether overdraft charges are unfair. Seven banks and the Nationwide building society will argue that the consumer contract regulations do not give the OFT the…