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BANK CHARGES: The 6 year statute of limitations rule - exceptions??
Ok so I've searched for this throughout this forum thread and I am still non the wiser!! I had an RBS account from 1991-2000. In 2000 I get so !!!!ed off with charges I kept getting hit with I closed the account and opened an internet bank account!! I have hard copies of statements for the account (YES ALL!!) - they were…
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Credit Card Natwest
Hi Guys Havin a few problems with Natwest. Used to have a CC with natwest which has since been closed. Wrote off to NW CC with the cheque of £10 for the DPA They wrote back saying they cant find any of my details of the CC, as I dont have this long CC number myself, So they say they cant help any further even thoe by law…
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Reclaiming overdraft charges HSBC - what to do now? Please help me with this.
Finally, I have received a response from HSBC. They have given me an outline of the terms and conditions and state its customer responsibility to check account etc etc. And towards the end of this explanation it is stated "In view of this no refunds are due." They haven't covered many of the points I made in my letter…
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reclaiming bank charges from foreign banks.......
hello is this possible? a few years ago i visited the states and whilst there opened a us bank account. now i have had a few charges on this account, do you think it is possible to reclaim these? i have had a quick search and cant find any info on this. anyone?
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Halifax
It's ironic (and idiotic of me) that I have just received a letter saying that there is a bank charged to be applied to my account, when what took me pasy my overdraft limit was Halifax cashing the cheque for my bank charges statement! I should have ensured that the money was in my account, that I do not dispute BUT they…
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Suspend Appeals but Keep on Charging?
Hi guys, Just a quick thought that is bugging me. Isn't it against the very concept of natural justice and the rule of law to suspend all appeals while continuing to issue punishments? As seems to be the situation at the moment. Tom.
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greedy banks with no care
Hey Late last November I had someone take two 50p testers and then £50 from my account. This went to www.allpay.net !!!FRAUD!!! I was informed by my bank that I was overdrawn (by letter), so I gave them a ring. I told the cust-rep I didnt make the transaction and will not pay the £50 charge as it wasn't my fault I was…
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Credit card reclaim - account number?
I'm about to have a go at reclaiming credit card charges for the first time and I have a quick (and rather daft :o ) question. On the template letter, it asks me to give my account number. Is that just the long number on the front of the card? I know, it's a really silly question, I just want to make sure that I don't get…
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MBNA - can't believe the cheek of it!!!
I have 3 cards with MBNA and was successful in charges claims against all 3. I'm now lucky enough (very nice other half!!) to be in a position to pay off my debts which is what I've done and have cleared my cards, or so I thought! I checked my online accounts and all balances were at £0. I then went into my online banking…
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Lloyds TSB complaint Oct 2007
Hello there, I am new on here and just after some advice. I used to bank with Lloyds TSB and did so for many years. In 2006, I contacted them regarding my overdraft and my personal loan because I was in financial hardship. I sent them an income and expenditure form. I then paid lower amounts on each account. I opened up a…
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DCA chasing an account in dispute
Hi! I would really value some advice on the following matter. I had an account with a bank and in July 2007 I made a claim for charges (which has been stayed pending the outcome of the test case). Recently I changed over to another bank and left the old account dormant. When I took the last of the money out of the old…
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Help
Hi I read with interest your threads and know this works but am hitting my head against a brick wall, any advice would be great Last year Barclays charged me £900 in bank charges and to top it off I forgot i was in what they now call their reserve and they are insisting i paid £360 worth of interest (bear in mind they have…
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Claiming additional charges
Hi there, Just wondered if anyone can advise. I started the reclaiming procedure with HSBC last June, and as with everyone else, have had my claim put on hold. Since then, i have fallen by the wayside and accrued more charges. Shame on me i know! Can i add these to my original claim, or would i have to send in an…
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benefit and bank charges
my daughter rather stupidly got an overdraft facility when xmas became too much for her. she is an 18 yr old single parent who's income is made up of child tax credit, income support and child benefit. she then stupidly went overdrawn on the overdraft, and the bank took the charges directly out of her benefits. £105…
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£12 charge for £1.03 overdrawn on Capital One
I just got charged £12 for an overdrawn of £1.03 made with my capital one. I phoned them and all they said is 'it is a merchant fault, they should have declined and they didn't. we advise you to keep tracking of your spending..and therefore it is your responsability, there is nothing we can do'. Is this regular? What can I…
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Halifax credit card,
Halifax Card Services Requested refund of £815 1st letter back within 14 days of request, offered £190, er thanks but no thanks:rolleyes: 2nd letter faxed 2 weeks letter refund £855!!!!!!!:p :p Now I only owe £260 on the card, fantastic:j I had read so many success stories on here and have been inspired, just waiting for…
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Banks refusing hardship claims because accounts are too old.
I can't be the only one whose noticed there seems to be a large discrepancy between the way different banks are dealing with these hardship claims. Reading the successful results thread seems that banks like Abby and Halifax are paying out quite regularly on charges that go back a few years, other banks are paying nothing.…
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claims finanical do i use them
hi got a letter out of the blue from claims financial, never heard of them so has anyone ever heard or used them,or recommend one to reclaim my charges
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Lloyds TSB Fair & Resonable Letter
I applied for the money back that lloyds took from me on my credit card, already claimed my bank account and won, i got a letter from lloyds tsb saying it was fair and if i wanna take it up with the ombudsman i can, what letter shall i send next?
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Halifax is charging my parents for phone calls
Hi Everytime Halifax bank phones my parents to remind the of missed payments, they charge my parents £10 pound per phone call. I think this is totally unfair on people with low income. Can my parents claim back those phone charges against Halifax? This also applies to letters halifax sent has well which cost £ 10.00.…
