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Advice needed please
Hi, I need some advice as to whether to enter a claim for 'unfair' bank charges. I have worked out that I would be owed £1200 from just the past 2 years, but at times I have been upto £200 over my agreed overdraft limit. I have also been regularly over the limit, although I am in control of this now. I have been with my…
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Bank Charges, Decision?????
Read today in a tabloid that a decision on the banks appeal will be made by Thursday??? Anybody heard anything
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Iva
Have been in an IVA since May 2005, can I still claim back credit card and bank charges. If so to what date can I backdate them to ? Any advice would be appreciated.
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What to do with new charges?
I have some new charges incured since i've sent a reclaiming template letter wich have been put on hold. Do I have any chance reclaiming new charges and how? Do I need to claim it from the start? My financial situation got worse and I would like to reclaim all charges under financial hardship? Can I do that even if my…
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Court claim wording - credit card charges
Does any body know how to change the wording of this if I want to claim the full amount after receiving an amount from the card company already which I have accepted as a payment without prejudice? 5. Claimant claims: (a) return of the amounts debited of [insert total charges]; (b) Interest per S.69 County Courts Act 1984…
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First Direct £2298
Hello all ! I have recently started a dmp with payplan and got some tremendous help through this site on the debt free wannabe forum. Now I have my dmp sorted and in progress many posters who have helped have adv me to claim back my bank charges. I have contacted First Direct (a/c no longer in use) and have been sent a…
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Address for Aqua Credit cards????
wifey wants to claim back charges from Aqua credit cards, does anybody know Aqua`s address???? thanks
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Vanquis charges
Hi , i have been offered a refund of charges from Vanquis that i asked for around three weeks ago . They are wanting me to sign a full and final settlement letter then they will remove the charges from the account. Can i have this money paid direct to me instead ??? Any help appreciated..:confused:
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A £1,200 charge FOUR YEARS after transferring from Barclays to First Direct
Can anyone help??? Today I received a statement from Barclays informing me that I am £1,200 overdrawn...on an account that I closed down over 4 years ago. In November 2003 I began the process of transferring my Barclays account to First Direct. I gave First Direct the permission to close my Barclays account (selecting this…
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Virgin changes to Terms regarding Default Charges
Interesting information from Virgin regarding Default Charges, they are changing the terms from April that mention £12.00 for late payments, exceeding credit limit etc. and have replaced it with: "Any other reasonable out-of-pocket fees, legal or other costs we incur as a result of you breaking this agreement"
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reclaiming reserve usage fee?
hi, was wandering if anyone could shed some light on this.... my partner is with barclays and ended up overdrawn by about £330 so barclays started applying a reserve usage fee on the account of £22 every 5 days. we were sighned up with gregory pennington (have got rid of them now!!) so on their advice ignored the letters…
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No response!
Hi I am new to all this, I set up a parachute bank account, sent a letter requesting charges and then sent a letter requesting they pay the full charges back due to financial difficulty... I used the template letters on here and requested a full response within 14 days but this time frame has lapsed! I have had no…
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m & s money reclaim
have been happily paying £1 per month by agreement to m & s credit card due to change in circumstances wrote to them asking for list of charges and copy of original form that i signed etc i got a letter demanding £3500 ish the full balance and a copy of the form i signed with lots of info not completed no employers details…
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odd call with lloyds tsb andover bank charge centre
Have sent several requests to lloyds for 6 years worth of statements, To BLS Collections basicly lloyds and direct, Both have failed to respond to the letter, Or cash the cheques, So i range bls collections who are dealing with the account, They refused constantly to hold action on my account, But in the end was giving a…
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Help filling in a form for A&L
I have been reclaiming charges on behalf of my partner from A&L and although we sent them an income and expenditure they have sent a form for him to fill in for ins and outs. My question is, as his account was in his sole name do I fill out the form for the income and expenditure on his own or for our household? The reason…
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Hsbc switching accounts c**k up
Ina nutshell Hsbc did not switch my old account as should of done under their guarentee switching service. July 08 I joined and it was sept befor I recieved my card and pin...Meanwhile d/d's still attempted withdrawels causing £100's in charges.. Hsbc now trying to wriggle out of it,,it is not fair please HELP
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Credit Card: incomplete list of transactions supplied?
Hello First of all this is my first post on these forums, so I apologies in advance if I've done something stupid! And also for the length of this post! I've read these forums for a while, especially the "debt free" area, and it really helped me sort myself out. Thank you all for that! Next: I'm posting in this area, since…
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Natwest Advantage Gold Account £6.00 A Month Charge For Service
Can I Claim This Back???????
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Natwest Delaying my Claim
I am so angry from Natwest, I've send 3 letters to them, and they insistes of sending them Customer Financial Statement Form... They insists of the following: They have asked FSA to suspend the normal timetable for dealing with charges complaints, and the FSA has agred to this request subject to conditions that protect the…
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'Unfair' Bank charges...Snowballs chance?
I am considering cutting my losses with reclaiming from the Halifax , In light of the 'credit crisis' should we / will we have a chance to reclaim any monies owed to us from the charges before the banks start to cry ' we can't pay we're hard up as well". If I claim hardship will this be enough to claim at least half of the…
