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Charges and bankruptcy
Just a quick question about this reclaiming business. I have had many charges over the years and would like to try to get some of it back. The prob is im currently bankrupt ( till approx Feb ). Can i and Should i still try to reclaim the charges or will this affect my positon? Can anyone help ???
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Confused about HSBC Charges... Help :(
Hi there, I was wondering if someone could help me? I finished Uni in May 08, and HSBC automatically switched my account to a current account. As they allowed me to keep my £1000 student overdraft, they charged me interest every week of about £7 for being in my agreed overdraft. They also wrote to tell me they had…
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Charges when was in credit!!
Morning all Am hoping one of you can help! I paid in a cheque to my bank on Thursday - it was a refund from BT and I am hoping I'm right in assuming it's a guaranteed cheque! My bank then bounced a direct debit yesterday and charged me £38 for the priveledge, even though it showed as being in my account! Am I right in…
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The end of penaltycharges.co.uk
Just received an email from Stephen @ penaltycharges.co.uk: ""DUE to an email received from legal@1and1.co.uk which states that https://www.penaltycharges.co.uk is offering and or promoting illegal services http://www.penaltycharges.co.uk/27102008065.jpg Our host was left with no option but to close down the site. We have…
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Not much luck with claiming charges, please help
I had a look at this site a while back and made claims for bank charges back in April. I had the following charges from banks and credit cards: Nationwide - £40: 2 x unauthorised overdraft charge @ £20. American Express - £25: Late payment charge @ £25 Barclaycard - £32 Late payment charge @ £20 Over credit limit @ £12…
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the wonderful halifax!!!
am getting sick of writing to them now, my last letter i sent was just over 4 weeks ago and it was the financial hardship letter does anyone know when i should expect to hear from them? do i write again? (i've just checked my account haven't used it since june and have still been charged at least once a month since…
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HSBC.. denied claim.. contact OFT? HELP!
Sorry - am copying this from HSBC thread in the hope that I will reach a wider audience for advice... I am now in WORSE financial hardship than I was before.. Well now I'm supremely ******* off! They agreed that yes, I am in financial hardship. They were on the phone for 30 mins maybe. Rang back after "thinking" about it..…
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Need help to claim charges from HSBC?
I am going to claim the charges that I paid over 2 years to HSBC. I have gathered all the relevant charge statements sent by HSBC. Could any one tell what I should do in the next step? I knew that there is a template. But, it's more likely for those people who didn't get the detail of charges. For my case, is there any…
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RBS Bank Charge
Basically a direct debit came out sooner than expected from my g/fs account and she hadn't been paid yet, so without the funds in the account the direct debit couldn't be paid and she got charged £38.00 for unpaid item. Realising on the day the direct debit came out and she didn't have the funds, she actually put the…
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English RBS Account, 5 or 6 years Reclaim?
I was living in England and had RBS account. Is this classified as an English account or Scottish Account. It is quite important cause I feel that most of my bank charges are between 5 and 6 years ago.
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Financial records - legal requirements
Hi all, Apologies if this is posted in the wrong section. (Perhaps the mods could move if it isn't?) I have vague recollections from somewhere that banks and financial institutions are legally required to keep records for up to seven years. Does this extend to copies of your personal statements/transactions? If so, does…
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claiming bank charges
can any one help or advise me i wrote to my bank about a year ago to claim my bank charges back they wrote to me telling me they would be back in touch which they did only to tell me it was all on hold and that they would write again soon ,but not heard anything for ages what should i do cos its quite a bit of money they…
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Hardship, surely i qualified?
Hi, i have had a bank charge claim in process since April this year for roughly £2500. Sadly due to my current circumstances and my wife on maternity leave i started to fall behind with my mortgage payments and on the 23rd august i received a letter from the courts of an eviction notice giving me 3 weeks to pay off the…
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Credit Card Charges,where To Send Letter To?
Hi, can some one help me, Im just about to start claiming past credit card charges and am not sure where to send the letters to. Do I send them to the address on the bill, or is there another address I should use. i.e. Customer Services. Any help would be appreciated, thanks
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Help Needed With Bank Charge
Hi I am a student and pay £5 per month to Oxfam. Recently my account balance went below £5 on the date the direct debit was due and I am now being charged a £35 fee. I don’t even know if Oxfam have been paid and I think this charge is highly disproportionate, not to mention that it is a charitable donation. Furthermore, I…
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Need some help with HSBC Bank Charges
Hi Guys, Need some help with reclaiming my money from HSBC with regards to bank charges. About 2 months ago I sent off a letter stating that they owed me £852.00 with interested included. I waiting a couple of weeks and didnt recieve a reply of aknowledgement of my claim, so I called HSBC and they said they hadnt recieved…
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Reclaiming charges when on benefits
Hi I am writing this on behalf of my daughter who is currently living on benefits. She banks with the Halifax, and pays some bills by DD however sometimes they do not coincide with her benefit payments. Anyway I was a bit worried that she always seemed to have less money available, than I thought she would have. Last week…
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What do I do now?
I have tried to find the answer to this in the main article but coudln't find what I was looking for...please help! I had my claim transferred to my local court in Aug 08 and it was then put on hold for the test case. Following the decision on Oct 8th what do I do now? Is it still on hold until Jan 09? Can I start it up…
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Cap 1 Success!!!!!
Hi All Happy days :j :j I have just rec'd a letter from cap 1 today saying they will refund my charges of £368.90 and i only claimed £333 im over the moon! Was really worried to because they said they would defend my court claim. This site is the best :beer: Martins a top bloke :money: Just MBNA and Abbey to go now
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Spare the lectures, please
:confused: I had a successful 'reclaim' in 2006/7, whereby my bank offered me two thirds of the 'unfair charges' levied on my account, and as I was desperate for the money at the time I accepted this. They put pressure on, saying that all claims were shortly going to be frozen. However, as part of the offer I had to sign…
