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Can I claim cash, not money off credit card
Hi. Ive been offered £113.00 by Lloyds TSB. Ive got an outstanding account with them which Im paying off at reduced payments due to hardship, but theyve said they are going to take it off my overall outstanding balance. Can i ask for the cash instead as Im badly in need of it ?
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Reclaim charges from after July 2007 ?
I know we can claim back the charges for the 6 years prior to charges being put on hold in July 2007. But my question is can you still claim any charges from after July 2007?
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help me please
hi this is my first time on here so don't know if im putting this in the right place..... i looked at my statement for the last month on line this morning and they have told me that they are charging me £68 maintenance fees for a card payment...the card payment they are referring to was for my husbands credit card i put in…
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probably a stupid/repeat question re. Re-claiming charges
Hi, I'm new to forums, so here goes my first ever post.... My boyfriend and I got engaged recently and as part of our new adult life :) we are keeping a much closer eye on our finances.... As part of this we are filling in the bank charge reclaiming letter so we can start the ball rolling on re-claiming the near-on £2k the…
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has anyone got a phone number for lloyds??
i sent a letter to claim my charges back 2weeks ago (financial hardship) recieved a letter today saying.. 'thankyou for contacting us,we're very sorry to hear that you have some concerns, one of my team members will be looking into your concerns and we will respond as soon as we can' !!!!!! :confused: no mention of charges…
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Lloyds again!
Right, the sorry tale from beginning as a background is pertinent to the 'hardship' aspect of the claim. Split up from partner in May 2007 and became homeless, living in tent and eventually a car for 16 months whilst holding down a poorly paid job (had doggie which made it impossible to get accomadation where i ended up).…
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MBNA Credit Card Charges
I've noticed on my partner's statements received from MBNA - the following charges: Credit Insurance Fees Finance Charges Does anybody know, whether one can claim these back? Thanks in advance.
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Reclaiming from abroad
I moved abroad (Ireland) almost three years ago.I had bank charges when I moved.I now find myself stropped for money and wondered if I was entitled to claim the excessive charges from here? I would be grateful for any help. MPR
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Started reclaming now, Should i pay off cards or not
Hi Guys I have sent away the first letter to Egg today for Data protction act to get my Statements on the 29/07/2009. no word back as yet from this. What can i expect from egg over the next Months? Also sending of today 13/08/2009 my Data protction act letter for AOL Card MBNA with the tenner. What can i expect from these…
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advice on rbs bank charges claim
I'm really stuck as I've just moved house and apllied for £153 in bank charges. I downloaded your template and was sent a financial hardship finance form to fill out which I did. Now they want me to send all my utilities bills in which I have not got yet as i wont get an elecritity bill in for another two months. Could…
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Lloyds TSB VISA Default
Hi Hope somebody can help as I am about at the end of my tether with Lloyds. I checked all 3 of my credit files on 23rd June this year, Experian 999 out of 999, no problems there, completely clean. Equifax on the other hand had a default registered from Nov 2006, this was for a Credit Card I opened in early 2003.…
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Bank charges reclaiming change
Hi all, Finally started the process of claiming ban charges back, so called up the Halifax to find out how many charges I've paid over the years. The operator told me that she cannot just send my charge details out to me, rather I'd have to go through the process of sending a cheque for £10 (as explained in the Reclaim…
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Hsbc informal and formal..
well i recently got a overdraft about 3 weeks ago which i was useing, but this week i went to use it and i couldnt, so i phoned the bank and the bank said they had no record of me haveing a overdraft service, So i got another one in place, which is costing me £25, but when i checked my account today there about to charge…
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tsb current acc charges
hi just for confirmation can my wife claim back any overdraft charges she generally goes over her overdraft amount, i say every month since shes had a account with tsb probably 17yrs im not sure what type of charges she gets but i know its every month can someone just verify if she can claim and what does hardship mean we…
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Halifax Subject Access request
Hi there just a quicky really. I wrote to Halifax on the 29th April 2009 asking for the data they held on me including the fee of £10.00 on the 13th May they replied saying they had recieved the fee and were processing the request. On 24th July 2009 I wrote them a reminder that they had gone over the 40 days allowance and…
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What can I claim on bank charges?
Hi - newbie here and just a quick question. I have just received the statements of charges back from LloydsTSB on bank charges but of those what can I claim? Obviously any charges interms of returned DD's or Excess Overdraft Charges. And I know I can't on account fees for accounts with extras on them. But unsure about the…
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Barclay Bank - Bank Charges under Finanical Hardship
Hi i haven t yet start a claim but i am now going to do so. I think we may be able to do it under Hardship. As i have arrangement with my catologue and creit cards. As we could not meet the repayments. To add to this i am off work sick at mo as i broke my ankle and had to have a plate put in it. My husband is self employed…
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How long does it take FOS to acknowledge complaint?
Just a quickie How long does it take FOS to acknowledge your complaint? Cheers
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i've set the ball rolling but...
i've sent mt data request letters today but the banks have passed the debt onto recovery agencies,and they are chasing me,no i've started a claim can i tell the agences to back off?
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asda card/ge money now santander - cannot refer to FOS?
Hi, I have lots of reclaims going on at the moment, some successful, some (Halifax/Mbna) haven't even responded at all. Anyway, I digress, I had an Asda and Dorothy Perkins card which were GE Money, and are now under the umbrella of Santander cards apparantly. I sent a fairly small reclaim to both and have had letters back…
