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Bank Charges - what to do next ?
Hi, I had a loan many years back with HSBC that enabled me to repay one month but take back that money the next day (Flexi loan). This loan grew and grew as although I was paying back - thge money was available the following day - almost like a little pot - so I never really paid any off. I ran into difficulty and ended up…
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Bank charges over 10 years old
Hi - through a strange feeling of fairness I decided not to try and reclaim charges - they go back to Sept 1996 and continued to Feb 1998 when I was made bankrupt. They were generally £27.50 for bouncing a cheque. The total charges were £1,705 and I'm sure contributed to my cash-flow problems at the time ( I was running a…
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Question about the FOS
When you are putting in a complained about non repayment of underlawful charges on a credit card, can you send download the forms, fill it in and enclose letters, break down of charges etc, or do you have to contact the FOS first to ask them if they will take the case , or is it ok just to send the paperwork in…
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could someone help me to claim my bank charges back
hi im hoping someone can help me im trying to reclaim my bank charges back and i don't know where to start. so far i have asked my bank to send me some bank statement's but ive been told i need to highlight all my charges and also to put a letter in and thats the bit im stuck on cos im not all that good at writing letter…
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Help needed HSBC being difficult!
Hi all! I am claiming in the region of £5400 inc interest from HSBC, I have sent them the initial complaint and then the financial hardship claim. They sent me an income and expenditure form back together with the phone number, I am on a DMP with the CCCS for debts of £16k. Anyway, I ring this number 0845 600 6423 and am…
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Urgent help with A&L £5 a day overdraft fee
Hi all. I'll cut to the chase... i went overdrawn at the end of last month and this month (July & August). A&L informed me i'd be charged £5 a day but it would be capped. Seeing a £30 unauthorised overdraft fee leave my account i assumed this was it. Alas no... I'm horrified to find they want £100 on the 1st September.…
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HSBC & Barclays threaten to take me to court
Hi guys, i have 2 accounts, well 3 Barclays, HSBC and Halifax. I use mainly H/Fax as the other 2 accounts are over drawn and a little over the od limits. this is largely due to the unfair fees being applied to my account and then them charging me interest on the debit balance which makes it worse so they charge me again…
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Being Charged.. Because of a charge!
Hi, I am wondering if anyone can help me in regards to my problem! I have an old halifax visa electron debit card that I only use now for the gyms direct debit. As my gym contract is coming to an end, I didn't see the point of moving it all over to my new account, so every month I just put my gyms fee into the bank. For…
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HSBC - Advice much appreciated!!
Hi all, Apologies if there is already an answer to my question on the forums but my eyes are hurting from trying to find out!! In a nutshell, I started my claim for unfair bank charges amounting to around £2400 with HSBC in February 2008 after the case was put on hold and recently wrote to them citing Financial Hardship -…
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A bit of advise please
i have recently put in a claim with halifax for £6700 in charges.3 days after putting in the claim they have cut my overdraft by £1300.i am claiming under the financial hardship route i had a £2000 overdraft which i was living in.i had my wages paid in every month which would just about clear the overdraft then when…
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Natwest Mastercard Address Problem - Can Anyone Help?
Hello everyone, I have two different addresses for Natwest Mastercard to try and claim back unfair charges on my Mastercard. I need to send my Data Protection letter off and my cheque for £10. Could someone please give me a defiitive address and tell me who I would mkae my cheque payable too. This is for a credit card and…
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Assistance from "Right to Claim" scam?
For some time now I have been receiving phone calls from an organisation calling itself "Right to Claim". Initially the callers claimed to be calling from my bankers advising that examination of my account showed I'd been charged £700 - £900 in overdraft fees (I don't believe this is right) and that a pack to cliam…
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Can I reclaim authosied overdraft charges as hardship?
Hi there I am very new to all of this and would love some help and advice. I would like to try and reclaim my authorised overdraft charges but don't know if I would be able to as have never actually gone over my authorsied limit. I have just kept upping and upping it so now I am always in the red even when I pay myself any…
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Business account - reclaiming bank charges
Would be most grateful if anyone can advise if it is possible to reclaim charges on a business account (the unauthorised and unreasonable charges not the standard ones) Many Thanks :confused:
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Reclaim charges on closed account
Hi I have an outstanding claim for charges against by bank. I have recently taken a new job with the auditors of my bank and have been told by my employers that I need to close my bank account as this conflicts with my independence to the bank as our client. Does anyone know how will closing the account will affect my…
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Reclaim companies
Hi, I'm not new to the forum as I've watched it for over a year, but this is my 1st post I've finally got round to looking at reclaiming bank/credit card charges & have read it all & downloaded all the templates, BUT Is it not worth letting a company that does it every day do it for you, paticularly as the interest they…
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can i claim hardship
I have recently been chased by Abbey for an account with £1400 overdraft, this was made up of bank charges.. and when checking all statements they have charged me approx £2k+ I make ends meet each month, but have a debt management plan and loans. and now this £1400 bill. I have put a claim in today to claim these bank…
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Reclaiming from HSBC
Hi I am looking at reclaiming charges from HSBC on a graduate loan I had. I am certain that I was told I had to take the payment protection out. The loan started in 1999 but wasn't paid off until July 2004 - can I still claim? If so, where do I send the letter? Is it to my branch or to the head office? Thanks Karen
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I've read the guide but I'm still a bit confused. Lloyds.
Hi everyone, first post so please be nice. After Lloyds taking out a bank charge that I wasn't aware I'd even incurred (thanks to them posting it to my old address), their £150 of charges has sent my account into unplanned overdraft, hence now attracting even MORE fees. I'm sick of these and decided I want to try getting…
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Can we reclaim unknown account fees?
Upon inspection of my girlfriends bank statements it appears she has been charged £12.50 a month for the pleasure of having a current account. She had no idea this money was coming out and was completely unaware of the so called benefits (RAC Cover, card protection etc..) Is there any chance we could claim these account…
