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Still Waiting
I haven't heard a single thing from my bank since the initial letter they sent to me informing me that they were looking into my reclaim. Are the Bank charges still on hold? Only I feel a bit as though I'm in limbo!
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Claiming credit card charges when debt was taken over by other company
I didn't realise you could claim back your credit card charges and I have been reading all about it on here. My boyfriend had a Mint card which he kept missing payments on and in the end Mint passed the debt on to another company. We then paid it straight away because they knocked £1000 off the balance for immediate…
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Lloyds bank charges and claiming back minimal amounts
I looked into reclaiming my bank charges before but someone told me Lloyds are the hardest to get them back from. Is this true? has anyone had any success with Lloyds. Also I think my total charges only amounts to something like £300 maximum over the last 6 years. Are they more likely to pay me out with it being a small…
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A flat NO from Capital 1. Any downside in progressing claim to the Ombudsman?
After following the processes and using the templates on this site, Capitel 1 has come back with a flat NO to refunding the full amount I have claimed. Given I calculate my default fees (£12 and higher amounts) to be a significant amount in total (see signature) their offer of £40 is pretty rubbish I think and I'm loath to…
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What can i say or do to not get these charges?
long story here, over chrsitmas i went over my overdraft for about 2 days til i was paid & received a letter with substantial chrges heres what i went over by & what iv been charged. amount Charge (paid item charge) £6.50 £35 £6.65 £35 £12.78 £35 Going over agreed overdraft £28 Total amount over : £25.93 Total charges…
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My bank adviser told me to claim back my charges!
Today I popped into NatWest to meet the MoneySense Adviser. Much to my surprise he told me to look into claiming back my bank charges "....as they're probably illegal". My jaw nearly hit the floor! It comes to something when one of the bank's own employees is actively telling people to research the legality of the charges…
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Reclaim Again
Please can you anyone tell me if you can reclaim charges again on the same account. I reclaimed charges 2 years ago successfully but have incurred more since so was wondering if I coulfd claim these back too. Thanks Kelly
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Hardship Query - Any Help Appreciated
Hi, I have an account with HSBC and I am trying to get about £1100 in bank charges back. I have discussed my income and outgoings with HSBC on the phone. We worked out my monthly income to be £1140 and my outgoings to be £1276. However, aprox £300 of this is from monthly payments to personal loans & credit cards. I have…
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Can Bank Widraw Money From Account
Few month ago my account was nill and MCB network was offline balance in my account was nill i try to widrwa funds from another account on other hand my account blc was nill but i widraw 500$ after some time when account network was ok they deducted wothout prior information is it can happen. visit urdu poetry:…
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Bank charges (hardship)
Hi everyone, Just a bit of advice needed please, I successfully claimed against LloydsTsb about 19 months ago. Then approx 10 or 11 months ago I tried to claim again as I was still being charged for various things. I had the usual letter about high courts etc and everything is on hold as I'm sure you are all aware. I've…
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Old bank accounts/ charges
I had several bank accounts apx 3 yrs ago which all incurred bank charges, whats the easiest way to find out all my old account numbers and details?
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Bank Charges. HELP
My partner has just incurred £50 bank charges for going £70 above her overdraft limit for 2 days, what should we do now, in the short term. I know we should ring the bank but what should we actually say to have the most impact. Are the banks actions illegal. I have just found this site, and have not yet had time to look…
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Can someone please take a look at my "charges" for me please
Im utterly baffled now. Some of my charges are apparently account fees as its a NatWest Gold account. Apparently these started off at £6 then went to £9 to £12 and now are £12.95 per month. The only problem is while Ive paid 1 of these amounts most months I dont appear to have paid them every month. On top of that I was…
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Can i claim ??
Can anyone tell me if you can claim late payment fees from a non secured loan. My husband has a bike loan and we have had loads of letters about late or missed payments. Each time they send a letter they charge £25 and then add £10 fee. We are have paid half now so are handing the bike back but thought about all the extras…
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Grumble grumble- i hate my bank- RANT
Hey i have been an avid viewer of these forums for quite a while now and it is the only place i seem to be able to find any information. Basically due to the bank holidays over xmas money came out and credited my account at different times than i thought it would. I tried to balance my account in my head when spending....…
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Reclaiming Credit card charges from the following companies
I have been thinking about my finances and after some advice given I think that the first thing I am going to do is try and reclaim the charges from my credit cards. I have put together my letters requesting my statements following the templates on the site. I just wondered if any one else had and info/tip/ stories…
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Reclaim Bank Charges V Bank/Credit Crisis
I would be interested to know other peoples thoughts on this, particularly if anyone has had success in reclaiming in the past 2-4 months. The reason I ask is because I wonder if it will now be feasible to reclaim charges in light of the banking/credit crisis/recession. Or if the ruling and subsequent crisis means things…
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Natwest Hammered a 17 Year old can i reclaim ?
hi guys just to sort the title im 18 now not sure if it makes any difference , anyway on with the background story , i was 17 started up a website to sell some things to make some extra cash for me , having the business man mindset i thought i should open a bank account for it to put my saved cash in.so anyway i had a HSBC…
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40 days is up help please
hi, i sent my SAR to Creation Financial Services (postcode - B91 2AA, in chadwick house, Solihull) on the 1st December, and i have yet to receive my statements (arrgghhh!). I have just spoken to their customer service team and the lady said that there are no records of this letter and that they have not yet recieved it, i…
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Lloyds Unplanned Overdraft Fees
Hi, Over the past 6-12 months I have been receiving unplanned overdraft fees. I have an overdraft limit of 2000 pounds but some times a D/D has taken me over by 50 or something pounds. At the start of next month I owe them about 220 pounds for fees and this has been on and off for about 6-12 months. I think I have paid at…
