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Hardship Claim
Hi Everyone, this is my first post. I wrote to Lloyds TSB back in March regarding the reclaim, got the usual response of waiting for the test case etc. etc. I have just now written to them claiming financial hardship. They replied stating in their letter that they agree that we may be in financial hardship and offering me…
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Terminating debt?
Hi I have been contacted by a company advising that I could have my debt (2 cards and a loan) written off if they meet one of the following criteria: · The lender does not have a copy of the original agreement · The amount of credit (or credit limit) has not been stated on the original agreement · The interest rate applied…
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bank and credit card charges
ok here goes at the moment i am on esb and i am unemployed. I have a bank loan with lloyds tsb and the loan is more than i collect in benefits from the state. I have made a claim on the insurance with lloyds and they have been paying this late sending me past my £1500 overdraft. I recieved a letter from the collections…
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First timer - Natwest problem.
I need some help with my Natwest claim that is going through. I have done well up til now on my own but I am well and truly stuck now. I had an offer under FH and I was arguing it because it was a LOT lower than my charges I put in but I have received a letter today in response from them saying they have discounted any…
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Bank Charges Hardship Claim
Have just received £2410 back in bank charges from Cahoot, using Martins templates, under the hardship rules, started pursuing claim in June 09. I have to say that the bank has acted very quickly and fairly. Once the process was started it was very easy, I would recommend others to go the same route. Joep
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Natwest cheque payable to....?
I'm about to send of the template letter from this site to natwest asking for a list of the charges that have been applied to my account. The one problem im having is that I cant find anywhere who I have to make the £10 cheque payable to!!! Could anyone tell me, or do I need to call natwest directly to find this out?…
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Is there a time limit?
on how long you can take action! If a bank makes you an offer, of say £400 out of £1000, and you say ok I will take that (as part payment and without prejudice) but I am taking you to court or the FOS, for the rest, then they write back and say their offer is still open but I have the option of 6 months to contact the FOS…
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newbie to the bank nightmare!! (natwest claim)
hi all newbie to the bank charges reclaiming nightmare after lurking on here for a while i finally phoned natwest up today to ask for statements to asses my charges first lady i spoke to was really nice and sorted it out for me cost me 5 pounds for each account she said she would have to pass me on to another department to…
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Refused Purchase - £35 charge
Hi, Both me and my partner are on benefits. Just to summarize, there is a single account in the name of my partner and the joint one which we have a £100 overdraft limit on. Sometimes my partner uses the single account for some purchases online as her Paypal account is linked to the debit card there. Last week we both…
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Someone must know
Irecently got back £2004 from my bank. but my question is this my bank charged me £30 for not paying a direct debit then the finance company that didnt get paid charged me another £45 can i claim back the £45 from the finance company as well.
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Business accounts
Can you claim charges back on businesss accounts?
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hire purchase
I recently claimed back £2004 succesfully from ulster bank, but my question is this. Each charge for a none payment of a direct debit for my car from the bank was £30, then the finance company charged me £30 for a none payment and £15 for a returned direct debit handling fee, thats £45 from the hire purchase company and…
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Reclaiming bank charges under 'financial hardship'
Due to the contract ending in my previous job, i have been experiencing money troubles. I have just about kept my head above the water, but i went over my overdraft by about 4 quid for 24 hours, incuring a charge of 50 pounds. I explained my situation to my bank, and the only thing they were concerned about was whether i…
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catalogues
Hi, advise needed, please....I tried to reclaim late payments etc two years ago from Freemans, the catalogues I failed.....now out of the blue I received 1st day a letter saying that within 24 hours I would receive from a Solictor saying that as I have failed to pay etc etc, they have now issued Litigation proceedings in…
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alliance and leceister
hi peeps,trawled through the threads and cant seem to find what i am looking for hope someone can help.looking for address for a and l to send request for list of default charges etc.live in scotland.thank you
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Natwest and charges
Hi I had a problem with a company i did some work for did not pay me in time and a number of direct debits and maestro transactions failed total charges over £500 in one day!. The charges are more than the transactions themselves! They did not inform me before hand about the charges, they said it was on my bank statement…
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A&L Bank Extortionate Bank Charges
My Partner has an online Alliance & Leicester bank account which he opened probably about a year ago. He started to have his wage paid into my account after a few months instead of his so he was suddenly charged £5 for not having, I think it was £500 in his account. This took his account £3.50 overdrawn. His account…
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A&L Bank Extortionate Bank Charges
My Partner has an online Alliance & Leicester bank account which he opened probably about a year ago. He started to have his wage paid into my account after a few months instead of his so he was suddenly charged £5 for not having, I think it was £500 in his account. This took his account £3.50 overdrawn. His account…
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Natwest Bank Charge Mess up!
Over the past 12 Months Natwest have charged me over £1000 in charges for "unpaid Direct Debits". Bearing in mind no Direct Debit i'd set up was in excess of £10, it seemed a little excessive at the time, but when you're earning you tend to pay it out of pure ignorance! I've now been made unemployed, and as such cancelled…
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BIT OF FUN anything else banks can charge us for?
Breaking News bank in charge of M6 toll road "we are pleased to offer motorists the chance not to Queue on the main M6 which we think £10 is excelent value for this service" said the bank spokesman this morning Mr Smithgoody who has an A1 credit rating so has a normal road account applied but only had £7.50 the tollteller…
