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Am i entitled to recieve bank statements from 2001 or only 2003
Hi I have just begun my financial hardship route to re-claiming my bank charges. I have been made redundent and am a single parent mum. I clled halifax and requested statements from July 2001 as the site suggests. They said they can only provide from the last 6 years by law is that correct? I was a student in 2001 and a…
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HSBC - "Informal Overdraft Arrangement Fees"
I have successfully claimed "old" charges against HSBC last year but still have an account with an overdraft. Unfortunately I still find myself going over this (basically because they "withdrew" the facility shortly after my claim -surprise,surprise) and reduce my facility by £100+ each month. I have a Flexi-Loan with them…
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mis sold loans and credit cards
Hi, i'm new on here so i hope this is the right place to post this!! I was today contacted by a company called legal and financial claims, they said that many loans and credit card agreements sold up to april 2007 were mis sold and that for a fee of £495 they can have the loan written off!!! just wondered if anyone has had…
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Just started a new claim
Hi, I have just applied to reclaim my charges. I have written the letter requesting all the charges from 2001 to present day. In total this comes to approx. £1800 inc interest. Will update how this goes and add to the succes (or not!) stories thread Wish me luck
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Do I write again??
Can anyone tell me if I have received bank charges additional to the first ones I wrote about, do I need to write again??? Have been charged since first writing which makes me mad but don't know whether I have to or not. Please help!! Thanks.
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BARCLAYCARD credit card charges
Apart from claiming the exceeding limit charges and late payment charges, can I claim back any of the cash handling fees which range from £2 - £5 at a time?! They are adding up to be around £300! Can I claim back any interest they charged on the standard charges and the cash balances? Thank you in advance for any help.
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Barclaycard Credit Card charges
I sent the first letter, registered to Barclaycard [BC] on 10th July 2009, and they finally sent me statements from August 2003 - July 2009. Not from July 2001. They state "This information we have enclosed relating to this account is all that we hold."
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Payment plans & Reclaiming charges
Had a partial payout with Nationwide last month. So i thought i would then tackle HSBC. However HSBC have come back to me and said because i have a payment plan set up to tackle my Council Tax Arrears, they do not consider this to be hardship ( even though the fact of the matter is I am in arrears?). To stop me…
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recent phonecall
ive just recieved a phone callfrom a company who are working as part of the OFT to reclaim peopls bank charges back,this woman rattled on about how the company could get my charges paid back to me within 14 days because of a ruling that was past in the high courts last week ive never heard of a ruling being past, i told…
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what to ask for???
Hi, I've recently received a list of all my charges from my bank (HSBC). I'm now ready to contact them asking for what they owe me, the total is almost 2K, is this figure what I put in my letter to them??? and what about any charges I have had in the last few months, do I just add them on?? thanks
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Not such a success after all! What next?
Well, i got my offer letter from Natwest this morning.. offering me a sum which would still mean I owe them £1,000 of my own money! (it is on a closed account they that defaulted). I am fuming .. how insulting! My charges were over £4,000 and they offered £2,759. They say to clear the balance owed to them would be…
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Fsa
Got a letter from the FSA this morning, in response to me sending them copies of standard letters, received from LTSB. Sent about 20 odd A4 pages in total; roughly 12 letters. Now, one would have thought I was helping/assisting the FSA by sending them copies of said letters. To my astonishment, the FSA thought I was filing…
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Charges not showing on line for 2 months
Hi all, has anyone any experience of this? I have a bank account with barclays which is has an overdraft which is fully used. There is also what they call a reserve on there of £150 pound which if i use will incure charges. However, any charges on the account were not being applied to the account on the day of incuring…
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help needed.
:confused: i have lost track on the dates i sent my claim back letters to halifax i have rang them and sent so many letters and claimed under financial hardship but kept getting the same reply.. 'the test case is on hold' i just rang halifax now and shes sent the halifax debt people an e-mail to send me out some forms i…
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Bank charges - Abbey
Hi, not sure if there is anything I can do but thought I would check I have never had an over draft, credit card or bank charges so this is all new to me! I have a current account with Abbey which I generally use for saving money and rarely check it, I wrote a cheque to a company on 27/05/2009, I got my statement this…
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Abbey Overdraft...
I will try to keep my story short and it's not so much to do with reclaiming but it's on par. Basically I had an account with Abbey and I wanted to open a student account September 2008. I applied and was unsuccesful, they told me this. However, the next fortnight I checked my account and I had an available overdraft of…
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Playing the banks at their own game ... !!
In brief my son was charged nearly £400.00 for an oversight of just £1.00 . Nat West refused to close the account , & continued to apply charges even though he had set up a new account with another bank , and no funds where being deposited . After numerous calls we decided to wait until the threatening letters arrived .…
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Newbie Help needed please :(
Hi guys i am new on here but i would like some advice please, heard all about claiming bank charges back so thought i would look into it,went to my bank which is Yorkshire Bank by the way, and mentioned this to the girl behind the counter and she said that all there charges are legal so i would be wasting my time. Is this…
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Using MCOL - advice please
I've got to the point with Egg and Cap One that I need to take action but I am going abroad for 3 weeks in 2 1/2 weeks time. With MCOL does everything take place online ? Should I advise Egg and Cap One that I have commenced court action and that if they wish to communicate that they will have to do so by e-mail or…
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Reclaiming on accounts with student overdrafts? Is it dangerous?
Hi all, I'm about to send letters off to Natwest & Lloyds (the worst of all), to attempt to reclaim my bank charges. I hold a student account with both of them, and am overdrawn (though within my limit) at £1400 and £1500 respectively. I'm apprehensive after reading that many accounts have been closed down after…
