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what next..??
hi, after some good advice from members on this forum, i applied for my bank charges back under the hardship ruling, i'm currently at stage 2, i have wrote to my bank, using the guide letter off here, asking for my money back and have had no reply. Now on the letter i printed off it states that the bank should respond…
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please help....
I have just been on my online banking and I have just been charged £105. This is due to apparent direct debits which I didnt have the money to pay, I was a day late. This apparently happened at the beginning of the month, and they have just taken it out today. They haven't emailed, sent a letter or anything. I have been on…
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Please help! What next??
Hi there I am trying to reclaim bank charges under hardship and am just setting out. I have sent 4 letters, 3 of which have returned my statements however Barclays have not. It's been well over the 30 days and they have cashed my cheque. So what do I do next? Many Thanks in advance
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What is a "fair" charge?
Has this been officially decided yet? I've googled but can't find an answer. How much can a bank charge before it becomes an "unfair" charge?
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I'm going to claim hardship: what evidence should I send?
I am about to submit my claim to be repaid £1170 since July 2001. I tried to claim hardship a year ago, but they sent me back something where I had to tell them my budget, and it was more paper filling, so I decided to leave it for the time being as I was soon to be starting work. I felt it was insulting, given that I was…
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Answering bank charges skeptics: pls help....
IM PLANNING A GUIDE TO ANSWER COMMON SCEPTICAL QUESTIONS ABOUT BANK CHARGES. MY VERY ROUGH UNPROOFED INITIAL THOUGHTS ARE BELOW. WHETHER YOUR PRO OR ANTI-BANK CHARGES YOUR THOUGHTS ON WHAT Q or As ARE MISSING WOULD BE REALLY HELP (AND AGAIN ITS VERY ROUGH SO PLEASE FORGIVE ANY GLARING ERRORS OR STRANGE PHRASES). THIS ISNT…
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Overdraft Interest Charges!
Hi, I was at university from 2005 to 2008. In this time, I told Halifax several times that I was a student and asked them to change my current account to an interest-free student account. On each occasion I was told the situation would be rectified as I was getting interest charges each month on my overdraft (which was the…
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Bigal vs Abbey sucess!
I claimed back my unlawful credit card charges from Abbey (subsequently MBNA). Initially they sent me a cheque for around 250 quid. This included a refund down to 12 quid, plus the statutory 8% interest. I cashed the cheque, bot wrote back, saying that although they said that they did not agree with the OFT decision, I…
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Can you claim bank charges.....
whilst you are in an IVA? Just wondering as we have quite alot.
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Help please. halifax cardcash charges
I am 18 and have had a cardcash account since i was little. I paid for something on paypal a few days ago and didn't check which account i put the payment on (which was stupid i know!). i have received this letter from them:- Dear Miss Spencer We are writing to tell you that we have refused to make a payment from your…
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Question re Halifax chief executive
Hi Does anyone know the name and contact addres for the Halifax Bank chief executive? I am sick of complaining to their customer relations department and getting no help. I want to take my complaint to the top! Any help appreciated. Thanks Pam
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Bank charges?Slightly confused!
Hey there everyone! I new to MSE and have been reading up on reclaiming my bank charges, by which I have been struck quite heavily. I was ju8st wondering if someone could clear up this slightly silly question for me? Is it soley BANK charges that can be reclaimed, or does this apply to Building Societies as well? I am…
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help
between 2004 and 2006 my account was severely in overdraft, i was trying to pay it off but as i was on benefits i was finding it hard when the account hit the limit i was getting charged weekly for going over the agreed overdraft limit and the money being paid in was immediatley being taken out and i had nothing to live…
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Has anyone had there money back since the banks put all refunds on hold
Has this been put on hold completley or are some people still getting there money back?
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Had my letter back from bank with charge amount - Can i still procced
I had Nationwide write back to me with the charges that i have paid over the years. It toals up to £1,500. Now this is money i could soo do with, im having a real tough time at the mo, all my accounts are overdrawn, i owe on credit cards & i am having to use my credit cards to pay for food shopping other bills etc as i am…
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Natwest
Ok so I realise that this is my fault and there is probably little that I can do, but I thought I would post the problem just in case there is a chance at a refund. Me and my partner have a joint JSA claim which get paid into my bank account. I have gone to visit family for a few days so wanted to transfer some of the…
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What's the Bank's Game?
I sent a template letter off to HSBC to try to claim charges from the Jan 2000 - July 2001 period. It says on this website that it might be possible to claim from Jan 2000 onwards as it was not until 2006 that people began reclaiming, so it's in the six year period. The letter gives them 40 days, but they sent something…
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Happy days
Hi all, just had letter from halifax telling me they are not admiting liability and charges to my credit card have been applied correctly, however they have arranged to refund £921!! which will clear the debt in full and leave some money left over :beer:. The amount i initially asked for was £1047 so cant complain at that…
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Reclaiming charges on a closed account
Hi all, I'm just starting the process of reclaiming my bank charges. I'm going to be claiming under financial hardship on my account. My question is this: I previously had a joint account with my (now) ex. It was open for around 5 years from 2002 - 2007 and I know we paid charges on it. When we split, I re-mortgaged and…
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Address For Barclays to Reclaim Charges under financial hardship?
Hi there, I have just received a list of my bank charges from Barclays after sending in Martin's template letter to their data protection department 37 days ago. I now need to send his template letter in requesting a reclaim of these charges. Does anybody know what address I need to send this to? Thanks.
