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Confused on reclaiming from my bank/mastercard
Hiya, for the past few weeks i have been coming onto this website and reading the threads on reclaiming charges but i am still really confused on what to do. The problem is i dunno who im meant to claim from my bank or my credit card company? because when i was in college i was about 17 my bank which is First Trust…
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Reclaiming charges in Australia
Sorry to ask a tricky question.....I can't find any kind of site like this for Australia. Does anyone know if you would be able to try and reclaim cc and bank charges over here? The fees are equivalently high and I assume would be considered overcharging in relation to the fees that the institutes occur. I know that the…
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Halifax Hell:(
Can anyone help with the situation I'm in? Basically I have issued a reclaim under hardship rules and Halifax customer relations have verbally agreed to 6 years back dated charges which total £2400. I am currently £2000 od and out of the blue I have now had a letter notifying that my od will cease on 29 october. I phoned…
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what should i do ?
as of yet i have not had the guts to reclaim my bank charges !! I understand that everything is on hold but i am wondering if i qualify for "hardship" i am a single parent and i work part time i also get tax credits and housing benefit and have just recently had to take 4 weeks unpaid parental leave and things will be…
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I now live in Ireland, will this affect my claim?
Hi everyone, I am claiming from Halifax and Llyods TSB. I sent the first letter to Lloyds in 2006 and got the standard 'bog off' letter back. I thought that was it but after coming across this site have decided to continue with the claim. I am sending the first letter to Halifax now. However, I moved to Southern Ireland…
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Debt Collection of Bank Charges
Nat West has reffered my outstanding Bank Charges to a Debt Collection Agency who are hounding me for payment £2k +. Should I pay up? or should I continue to hold out for the Courts to finally decide in our favour.........
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Why didn’t Nationwide building society slash there charge cost to £12?
Can someone explain why Nationwide building society have not slashed there banking charges from £30.00 to £12.00 in line with the OFT ruling? Are they exempt? :confused:
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Success with HALIFAX today but one question?
Hiya, I've just recieved an offer from halifax for £504 for my bank charges. I only asked for £330. There letter states that the money will be firstly used to bring it within its o/d limits n then the rest credited to my current account. I was wondering seeing as my account balance is £917 overdran and my over draft is…
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What is happening with the charges?
Hi all, I sent a letter to my bank months ago (March I think). They sent me a letter 2/3 months later saying that the bank charges reclaim was under investigation and they had signed an agreement not to pay out bank charges until it went through the courts. Should I contact the bank to pursue this? Is it still possible to…
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Hit with recent bank charges
Hi there, I'm new to the site and have browsed a bit but was looking to an answer to a particular question. Just this month due to a problem with my wife's payroll her wages did not go in on time. We went overdrawn and got approximately £200 in charges. This is a small amount compared to some of the numbers people on here…
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Claiming bank charges
Hi all Usual opening line....I'm new, so happy polly lodges for repetition. I'm trying to claim £3k plus from HSBC, I've got to stage 2 of the 3 letters, HSBC have acknowledged but no more contact (they say they're waiting for outcome of case). I seen that some of you lucky ones are getting money back now. Have you been in…
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RBS Financial Hardship
Hi there I've just joined up after lurking for a while, having finally pulled my head out of the sand that is my current debt situation. As with most folks, my bank charges claim is on hold, but I am keen to approach my bank on the basis of financial hardship. I'm just wondering if anyone has had any experience of this…
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Lloyds TSB and the FOS
Hi, Im just looking for some advice,i wrote off to the FOS to ask them to help me with my claim regarding my charges with lloyds and financial hardship. They have been looking into my claim since June. I got a letter today from one of the adjudicators sayin that because my account was within the 250 o/d limit and my loan…
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Reclaiming after default notices.
My credit card providers have served a default notice. Is it still possible to recover my charges from them at this stage?
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Hardship
Can anyone help. If I have paid all my charges and dont use a credit card yet am suffering severe hardship can I still reclaim under the hardship rules? I have sent letter to bank explaining husbands stroke, my being a carer and our joint income of £85 income support (12 pw stopped to pay back social fund loan) we are…
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Bank Charges - Does the Account That You Are Claiming For Have To Be Open/Active?
I have put my claim in on a joint account and as there is a monthly handling/management fee I am slightly reluctant to keep it open just so any outcome could be paid into it. Do I have to keep it open for any recharges to be refunded into it, or can I close it? Many thanks! Clarky
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taking the beloved halifax plc to court, help please :)
ok, so after using the template letters etc, halifax asked me to fill out a load of pointless forms on which they would decide if, as a full-time university student with no income apart from my student loan (which pays for my accommodation and not much else) i fulfilled the criteria for financial difficulties. i refused to…
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Can I reclaim these charges?
Hi Got my Abbey statement in this morning and on the bottom of it it says that I went overdrawn by a couple of quid and they paid 2 direct debits, but have charged me £60!! I thought there was some talk of the banks only being able to charge £12 - or am I wrong? So not happy about this as am normally very careful with this…
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current bank charges
Hi what is the deal with current bank charges. My wife went overdawn by about £20 over a weekend, by mistake and the bank charged her £60 for this. This is a lot of money to us, and it seems to me a bit immoral as it was a genuine mistake cleared up as soon as we were aware of it. I understand about the over drawn…
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Can you claim back on behalf of bereaved mother?
Would anyone know or have experience of claiming back charges (bank and credit card plus PPI) on behalf of a deceased parent. My mother recently passed away recently and it came to light that she had debts of 24k which we didnt know about, however we have found out that the majority of the debt is actually late payment…
