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Natwest/RBS Student Credit Card problems.
Hi, I posted my story on another website and thought I should get a second opinion. As a student 5 years ago I received a credit card as part of my Natwest student current account. As I was unemployed I ran up about £1000 and could only make token payments which i did to a DC. Anyway, recently the DC decided to push for…
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Advice Please - Lloyds
Last year my 5 year old daughter was taken seriously ill with bacterial meningitis and almost lost her life. During this time, I had been having problems with Lloyd's taking charges from my account and at the time my daughter was admitted lloyds took charges from my account which resulted in me having no money in my…
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Business account charges
Hi, I'm sure I heard somewhere that the courts did not allow people to reclaim charges on their business accounts, Can anyone enlighten me , thanks:confused:
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Tried to claim with Halifax under the hardship rules
Hi all, i was wondering if anyone could offer any advice? Back in feb 2007 i managed to claim back just over £200 in charges from Halifax. Now my husband has just lost a quarter of his wages ( he's a conveyancing solicitor & not a very well paid one at that!!) I am unable to work and have been on incapacity benefit since…
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How to obtain details of charges on old accounts?
Hello, I've read im sure that you can claim back charges on old accounts? If this is the case how do you go about obtaining the account details/charges if you no longer have them? Would simply writing stating your name, address etc enable creditors to bring up accounts from the past? The proceed from there...? Any advice…
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Interest charged on 0% balance xfer
I've got an Abbey Zero card. Last month's statement indicated that the interest this month would be £0, instead I've been charged £60. Next month is the end of the 0% period but because of the date that I opened the account there was no warning that the interest would be charged. If I'd known that interest was about to be…
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Massive victory for Bank Charge reclaiming News Article Discussion
This is the discussion area for the Massive victory for Bank Charge reclaiming News article Please click reply to discuss
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is it worth re-contacting?
is it worth re-contacting saying something along the lines of " i would be happy to accept the charges without interest rather than wait for the full amount when the final decision is made at which point i may request interest on top. what do you think?
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BOS CC claim, England or Scotland?
hi folks, I am just about to do a claim for credit card charges on my previous Bank Of Scotland credit card. I understand that under Scottish law I can claim back 5 years, and English is 6 years, my question is however, I took out the card in Scotland, while I lived in Scotland, since closing the card, I moved to England…
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Bank charges appeal is thrown out
http://news.bbc.co.uk/2/hi/business/7910852.stm
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Decision expected today..
....Court of Appeal; whether OFT has powers of investigation into bank charges under the 'unfair terms in contracts' legislation...... http://news.google.co.uk/news?ned=uk&ncl=1308517673 (Unfortunately either side could appeal. The banks, if they 'lose', can be almost certainly be expected to do so and drag this out and…
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Reclaiming Charges - some help please
Hi all, I have a few specific questions with regard to claiming, my apologies if these have been covered elsewhere in the forums: First, I had 2 different accounts with the first bank I would like to make a claim against, do I have to send 2 letters to them with two separate payments in order to get my default charge…
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Are smaller credit card claims more likely to be refunded?
I am about to put in a claim for credit card charges, which come to £62.69 (incl interest). Do you think for this amount, I am more likely to get a refund back without any problems? It isn't a lot to a bank... although it's heaps to me! :o
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I'm a bit confused... MBNA CC charges
I've just received a list of my MBNA charges dating back to Feb 03 and prior to June 2006 I have lists of charges for £25 but after that date charges are £12. So..... do I claim back £13 for pre June 2006 (£25-£12) as recommended by Martin and then £12 after June 2006? Just seems that by doing this I'm saying £12 is ok…
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Abbey SAR = 1 page spreadsheet???
Hi all, I'm a dab hand at the CCA requests but this SAR /reclaim charges is very new to me so please accept my apologies if I'm missing something. Sent Abbey £10 for SAR and received today a 1 page spreadsheet showing charges levied in a particular month (£160 IN TOTAL) and a 3 page letter stating that if I want to…
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Can some just clarify this for me please? Account in dispute...
Hi guys, I'm hoping that someone will be able to clarify something for me.... I set the ball rolling to claim back over £450 worth of charges from HSBC just before the test case came in. They therefore promptly put it on hold, so I waited. Until recently to my delight :mad:, HSBC decided to give the amount owed to a debt…
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help with bank charges
my daughter signed up with barclays, whilst filling in her form she stated that she did not want an overdraft she was persuaded to have a £10 limit, unfortunately when her paperwork arrived she was not aware that a reserve of £150 had been added. She went to Australia for a few months, she was expecting money to be put…
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Cahoot Loan Charges
I had a Cahoot loan between June 06 and Nov 07 and had charges applied to the account, can these be claimed back? If so are they like bank charges (i.e. on hold) or Credit Cards? Any help would be appreciated.
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hello
Just wondering if anyone knows if you can claim back bank charges in my situation ,every now and again i go slightly over drawn ,they charge me like £55 each time ,its been happening for ages now and over the years they have taken like £1,600 off me .
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Be Careful of Bank Revenge
Sent a claim in to First Direct for refund of bank charges asking them to act due to financial difficulties. I am temporarily on a reduced salary. They have frozen my credit card and are threatening to pull overdraft facility. Tried to open parachute account, with Nationwide, without overdraft facility and was refused.…
