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charges help please
Hi, Just some quick advice please, I posted a quesry on how I get hold of my past 6 years statements from abbey who ignored me and give me the run around.. thanks to peoples help on here I ahve now received my statements. I have totted the charges up totaling £1750 (they charged me 14 times in 1 day for a bounced cheque at…
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Recovery of late payment charges for closed accounts
Hi, I intend embarking on the process to recover bank charges and late credit card payment charges. I do have a query though. My Wife had a credit a/c with GE Capital and missed some payments and was duly charged for doing so. She has since cleared the balance & closed the account. The account dates back beyond 6 years &…
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Barclays & nationwide £400 overdwarn
First of all i had a direct debit setup by shop direct who i had cancled the direct debit with and they sent me a letter out in wrighting saying the direct debits had been stopped. So i though that was the end of the direct debits on my nationwide account but boy was i wrong. A few months later i started getting calls from…
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Natwest failed to cancel my direct debits Step account over £400 overdrawn
last year when i was ill i asked Natwest to cancel all my direct debits by telephone banking which they failed to do so i was eventually charged over £400 in an unlawful imho step account.
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Reclaiming old PPI and charges
Hi there Around 2002 I had a loan, a credit card, and a store card. I had PPI on all of these products, and if memory serves I was never asked if I required PP, it was just included in the products. Around 2003 I was involved in quite a serious accident. I was off work and in no position to inform my creditors of my…
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Does redundancy automatically mean I'm in financial hardship?
I probably could reclaim a couple of thousand or more in charges since July 2001. And due to the charges causing charges cycle effect I still have them mounting. I've just been given notice of redundancy, and I want to know a couple of things. 1) Does redundancy automatically mean I'm in financial hardship? 2) If I am in a…
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Should Banks be made to have Charge Accounts?
just an idea if a bank is made to have seperate Charge accounts and only be allowed to get back a set amount from you each month (% of income) would this stop you paying charges on charges? ie the charges appear in seperate account not your current account
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£12 charges x2 ???
Late Payment Charge £12 Over Credit Limit Charge £12 _____ £24 Can I still reclaim back? It is still upto £24 at a time.
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bank charges backdated
if successful i understand claims can be made six months previous.......when is this from. i am assuming it is when you first wrote to your bank ?
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Bank Charges Declined **
I wrote to my bank about claim the money back. They said no because it is down to the courts. What would anyone say about this? Please advice.
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RBS Change in Charging Policy !!!
RBS have changed their charging policy ... They now give you notice 21 days in advance on when they will debit any bank charges ... I called RBS direct banking and asked what my available balance was in my Royalties Gold account and transferred most of that into my Instant Access Savings Account which I use to access my…
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Any one sucessfully claimed late payment fee back from MINT credit card
As the title says: Any one sucessfully claimed late payment fee back from MINT credit card? I did not have any luck last time I tried with a RBS credit card so I thought I would ask here before sending another, because they are the same bank group.
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wrong info on SAR
Hi I asked Barclays for charges details for last 3 years of account as i was missing a couple of statements from 06. Received it this morning only to find that it does not equate to anything on the statements i have! what do i do now?
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Query about A&L letter
Hi, has anyone had this before? I wrote to A&L and they sent statements for me, with no charge, as I'm a hardship case, then when I sent back to request the money (only about £400, but a lot as far as I'm concerned) they sent a letter saying that because the A/c has been closed for a couple of years, it is not a cause of…
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To close Natwest account or not?
I have a Natwest current account I have applied for my bank charges to be repaid, this has been frozen since the start of the court case. I have a balance of £3.42. I haven't used the account now for at least 18 mths. Will keeping this account open effect my credit rating for non-usage or should I close it? I was keeping…
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Getting copies of statements
Hi all I have loads of credit card charges dating back to 2006 so I called Halifax and askd for copies of my account - the girl advised me there is a £10 admin charge which is fine.....she then went on to say there is also a charge of £100 to get them all back.....I just laughed and hung up...is this right? x
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Really worried: Bank closed down my current account
Hi, I'm really worried. I sent a letter to my bank 10 days ago re-iterating my hardship case, but instead of replying themselves, I received a letter from a debt recovery company threatening me to go to court. Arghhh! I have two points: 1, The threatened court action regards my current account. I had an agreed overdraft…
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Mums bank charges
I have just been advised my mum has terminal cancer. To help her in this difficult time I have been reviewing her bank account and I am horrified to find that LloydsTSB have been charging mum on average 165 per month in bank charges and this is on an account that has 138.47 per month paid in as her pension.... effectively…
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Remaining balance/Reclaiming?
Hello Everyone, Just wondered if I may ask some advice. I sent HSBC the template latter asking to reclaim my relatively small bank charges plus interest about 6 months ago. This totalled about £120 (forgive me, Im at work so cannot check exactly the amount). Since this was going on in my account I moved my salary and bill…
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DMP: Natwest soon to sell my debt on...shall I claim charges now or wait??
Hello there, I hope that you may be able to help me. I am currently on a Debt Management Plan with Payplan. Natwest have not accepted the offers made by me each month and they say in 28 days they will take legal action if I do not repay the debt. I am told by the payplan people they will simply sell my debt on and I should…
