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If test case wins, will we get interest?
I've trying to reclaim bank charges from Halifax. Without interest, these charges add up to £216. With interest, it's £224.36. Either way, it'll be a lot of money for me to get back that I thought I'd lost forever. The question is, I don't think I count as being in financial hardship so I'll have to wait until the test…
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Financial Hardship????? Please Help!
Hi all, would like a little advice if possible. I started my claim in June 2007 and have had the case on hold since then. I wrote to my bank Lloyds TSB over 12 months ago stating due to my no longer working we were struggling to make ends meet. I received a letter stating the hold was still applicable. I was then contacted…
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Help Please
Hello everyone Could someone please help me, some time ago (4 years)we entered into a debt management plan, one debt was all made up of bank charges. we successfully reclaimed the bank charges, but we are still paying back the debt through the management plan. It seems to me that we should not be paying this debt now.…
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Hsbc Declined Harship
HSBC, Are scum, Basicly unless your behind with gas water or electric or rent, Then they dont care, What about the money i owe them :mad: , I cant afford to pay it yet they still putting DCA's onto me :mad: , What on earth, Guess am screwed
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i'm a 20 year old student in a bit of trouble...
basically, to cut a long story short. i owe natwest £282 which has been accumulating, without my knowledge, for half a year due to me going overdrawn by £3.50 (paypal, URGH, and i didn't even realise because it was an auto-one set up on my website) many months ago. i have also had loads and loads of charges from them…
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HSBC Joke?
A friend of mine has been redundant for a couple of months, and has built up bank charges of approximately 2.5K over the last few years. (She also has approx £25K of debt) I urged her to contact HSBC after I read about 'financial hardship' on this site. After numerous stalling phone calls from HSBC telling her they…
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What if I have a debt management plan
Can I still claim my bank charges if I have added my bank overdraft with the abbey to a Debt Management Plan and owe them money. I don't bank with them anymore but would like to know if I can still claim for my bank charges please help me
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Help reclaiming with Bank of Scotland
Hiya, I'm new to the site and just weighing up my options with reclaiming charges from the Bank of Scotland. Just a few things concern me: 1) Will I need to move all my DD's and S/Orders to another bank first? Or if I wait until they decide to close my account how long will I have to move everything? 2) Can they force me…
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Hardship Factors
Hi money savers. After Reading about people can reclaim if you are in hardship i noticed that one of the reasons can be if you have started a lower paid job. Now i have not actually started a lower paid job, but had my hours cut signficantly, where I was earning about £220 p/w i am now earning about £140. which leaves me…
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Help needed, dont know what to do
Hi I would really appreciate it if you could help me with my current problem I opened a Halifax bank account with an overdraft facility of £500 when I was an employee with them back in august 2007, in December I lost my job and as a full time student I had a lot of expenses such as running a car and food. It was 4 months…
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Invalid Enduring Power of Attorney
Hi, My mother made and stored an EPoA with her solicitor in 2000. In 2005 her doctor certified that she was not able to manage her own affairs. (She had dementia). My brother, the named attorney, ordered the release of the EPoA, failed to register it with the Court of Protection (the only reason it was released to him was…
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help im scared,confused in need of cash
hello im really wanting to be brave and claim back all my bank & credit charges,but im scared il get it wrong and be out of my depth.all this is over my head even though i work for 1 of the largest building societies!!!just dont deal with anything like this.i dont want the banks to be in the profit because of folk like…
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Black Horse marking defaults although case should be on hold! Advice please?
Hi, Long story short. I have two loan agreements with Black Horse that I have been trying to claim back unfair charges for. BH sold the debts to collection agencies even though the debts are in dispute, a big battle with the agencies ensued and I finally got them to send the debts back to BH. BH are now continually marking…
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help required to reclaim Halifax Unlawful Bank Charges...
I have been studying Martin's Lewis step by step process how to reclaim unlawful bank charges . they are very helpful and making me strong to stand up for my rights. This is the time for me to get my act together and process my claim ASAP. What I have done so far I have opened a parachute bank account as martine has…
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claiming back credit card charges and bankrupty.
whats the position with claiming back charges from credit cards if you are being made/have been made bankrupt?? the charges went a long way towards the initial problem!!!
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Financial Hardship claim and pets
Hi, I have spoken to my bank (Halifax) regarding a financial hardship claim and they have agreed that I am in financial hardship and have advised me to go to Citizens Advice to fill in a form and get a letter from them, so they can start the ball rolling with claiming my charges back. I have 2 horses and am worried that…
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Unclimed Bank Charges
This question to Maniac886 I have been studying your step by step process + Martins. they are very helpful and making me strong to stand up for my rights. This is the time for me to get my act together and process my clime ASAP. What I have done so far I have opened a parachute bank account as martine has adviced and also…
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Help required with Halifax Bank Charges
Hi Everyone I am in the process of reclaiming my bank charges, i am in financial hardship due to having to work reduced hours and so i've wrote my letter to Halifax using the template letter. Halifax responded by requesting me to complete a financial statement, which i did and provided wage slips as proof. Halifax have now…
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Charge Query
I am working through my list of charges that I requested from Crapital One. Now I have ticked through all of the "Late Payment Charges" and "Overlimit Charges" could I also request the "returned direct debit charges" as they are £20 a time? Many thanks
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debt collection can I still claim bank charges
Can anyone help, new to all this, and desperate to get advice, have had credit problems in the past with no of banks and no accounts were sent onto solicitors/ credit collection agencies, where statements of affairs were prepared and monthly offers of payments were made, tons of charges over the years which would pretty…
