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Is it best to wait for the charges before claiming?
Hi all, I have a Halifax current account that I use to pay off my Sainsburys credit card in full every month. There is usually enough money in to clear the credit card but this month I was hit with a whopping £651 credit card bill (after Christmas) and this sent me £59 overdrawn on the 19th Jan until my regular deposit of…
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Help !! do i continue my claim?
Hi All, Would be grateful if anyone can help or give me any advice. I sent off my bank statements to claim back my bank charges .. £6,000 from halifax, following all the right steps, I have now received a letter saying .. they beleive the fees are fair and lawful and the banks are involved in legal proceedings with the…
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bank charges
hi last year we did the xmasss shopping ,we have £100 overdraft on our acount but the bank let me go over drawn by over £600 pounds and did not bother to tell us we reached our limet.now they will give us new card but wount be able to use them.they have chared big charges for going over drawen .the manager at my branch…
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Bit of help please
Sorry to be a pain in the bum :o i am about to start the ball rolling in trying to get my charges back from capital one, however i had a credit card back in 2005 which i went over the limit with and it was passed to a debt company, it was then paid in full and the account closed. I now have an active credit card with…
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FH Story
Natwest recieved my letter and Financial Statement 7th Jan 2009 phoned after a week to find out what happening was told cases was nearly there would be a few days today still nothing so i rang them again after two regular bank bods giving corporate response not answering my q's one stateing that they have "thoasands and…
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How much have i paid
Hi how do i find out how much i have paid ? I have tried a search but it didn't reveal any matches. I am sure that you need to pay a fee and they the CC company has to reveal this information Thanks
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help please
hi at the moment i am adding up my bank charge that lloyds and halifax sent me i am going to add interest to them before i send the letters i printed off from this site to claim my charges back as my husband has no work and we are in bad debt in the calculator on this site i put in the total amount of what they came which…
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mental health and Natwest Gold Advantage Card
Hello. I hope I am posting in the right section. A close family member opened the Gold Advantage bank account with Natwest October 2007. He had lost his job recently, and had no regular income. We later found he was also suffering from mental health(schizophrenia) , and was sectioned in December 2007, and again in January…
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Claiming due to financial difficulties - clarification, please
Hi, hope someone can give me some clarification. We started the process of claiming some £3,000 in charges back from our bank about 3 years ago. They refunded £600 as a goodwill gesture, but wrote to say that the charges were lawful. The money was paid straight into our account before we received the letter and we were…
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Bank Charges can I still claim
Can anyone help here. Can myself and my husband still apply about unfair bank charges and credit card charges even though all my debts are now with paypal (debt management company) My bank and my husbands bank account and credit card company debts accounts werewhat we think closed and passed to debt collection agencies…
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Alliance & Leicester Current Account
This enquiry is not for me but one of my daughters, she came home today very upset with A & L. What has happend is that she went overdrawn by £ 3.48 last month and had not realised. She has received a letter from A & L today which states she owes them nearly £ 245.00 in unauthorised overdraft fees ! based on being charged…
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credit card Advice plz
HI, im after abit of advice. I currently have a halifax credit card which i owe a total of aaround £2500 on. i missed a few payments so phoned the bank to explain i was struggling to make financially and see if their was anything they could do for me, ive recieved a letter today stating if a pay my balance within 14days…
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Reclaiming bank charges from the evil
Hi All, I would appreciate some good advice. I have to scenarios I'd like to get sorted here quickly.... RBS I had an overdraft with them of £150 last year and basically the day before I got paid in April my overdraft was taken away which left me £150 overdrawn. Apparently as I am from abroad, they take my overdraft…
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Loan stitch up!
Hi I need some help! I went to pay off my loan and found out all my interest and ppi had been added at the beginning of the loan therefore, I still have to pay the full amount and wont be able to save any money by clearing the loan early. I don't recall this being explained to me when i got the loan, but it was 4 years…
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Financial Difficulty - reclaiming charges when bank has passed debt to recovery agent
Hi, I need some help! I separated from my husband about a year and a half ago which resulted in me getting into some financial difficulty. I was still paying all same amounts of bills etc but only had 1 income to work off. This resulted in my Barclays account becoming overdrawn. They kept increasing it at first until I was…
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Banks won the case?
From what I've read on here, the banks lost the first case and are appealing it? But I rang Barclays to request bank charges refunded because we fall into the hardship category. The man on the phone didn't have a clue what I was talking about, and said to go into the branch. Now, the man in the branch was very smug and…
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account in dispute, can it be forced.
help please. can someone tell me that, if an account is in dispute (la redoute/redcats still at it) can the account be forced by a debt collection agency?? they still havent come up with the agreements, including for PPI, phone call transcipts etc., and i asked for them last july!! yet they are still wacking on the charges…
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no cheque book...
should I send a postal order instead?
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possible to reclaim bank charges?
My husband and I had a LOT of charges over 4 years or so with lloyds tsb. We now have a debt management plan in place tosort out our debt with them. Is it possible to still attempt to reclaim bank charges, which is successful...would just go back to them anyways to reduce our debt?
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Reclaiming from Yorkshire Bank PLC
ok well i have just done my template letter for yorkshire bank asking for all my charges for last 6 years .. how has everyone else found this??? i did attempt too go through conkers last year but seeing as i have not heard anything because of the ongoing case i thought i would try myself as im sick of getting charges every…
