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Hardship Quetion
Hi all, If I've already submitted a claim (a year or so ago) and have now hit hard times do I need the details of my original claim? The reason I ask is because my original letters were stored on an old laptop and now lost so I have no idea of how much I was claiming for etc. Do I have to re-request te information????…
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hello im new on here and could do with some help
Hello im new to this forum ive just read what some people have been saying about there bank charges i sent photo copys to natwest of all my bank charges over a year ago ive had one letter back saying that they are in the middle of legal proceedings with the OFT office of fair trading in relation to bank charges the letters…
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NatWest and RBS Credit Cards - not willing to refund £12 charges
Hi, I have requested 2 claims for both my RBS and NatWest credit cards. I have received letter back from them stating that because the £12 charges I'm claiming for (£244 - NatWest, £60 - RBS) are inline with the Office of Fair Trading, that I won't get these back. Only Natwest have offered £17.50 as a difference between 2…
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If I didn't have an overdraft facility but still got charged can I claim?
HI there, I moved to the UK 18 months ago and was only eligible for a Solo card from HSBC for the first 12 months (because I didn't have a credit rating in this country yet). Sometimes my card would allow transactions to process through my account, even though my balance was zero and then they would charge me a huge amount…
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Unfair Bank Charge? Threaten the banks till they give in.
I threaten every company with the financial ombudsman when i feeel I am treated unfairly, including Endsleigh Halifax and even o2. They know they have to pay 500 pounds, right or wrong so they would rather just let you have what you want. "complained to your bank, insurance company or finance firm – but still not happy?…
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Financial Hardship - Bank or Ombudsman No Help!!
Has anyone else tried to get help with 'Finacial Hardship' claim, we recently asked the Financial Ombusman to help with our case to prove 'Financial Hardship' with our bank after being constantly penalised with bank charges which were putting us in arrears all the time. We recently could not pay our Council Tax and…
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Reclaiming Natwest - should I call first?
I'm in financial hardship right now, I know the guide says to send a letter, but is it worth calling the bank first? Also the amount I'm reclaiming will be under £400. Do the banks continue charging unagreed overdraft charges and paid referral fee's while you're trying to claim back past charges?
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Write-Off Credit Card Debt?
Does anyone have any experience of writing off credit card debt? There seems to be a whole host of companies offering this but I always think "if it sounds too good to be true....." I am considering it as there are genuine instances of 'unfairness' that I can pinpoint from my providers (not just a get out of debt-jail free…
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Bank charging for their own incompetence
Hello, I am new here and really in need of some help. I wonder if anyone can help? OH and I had a joint account that we used to pay into for baby stuff. Since I stopped maternity leave we haven't been paying into it and we were incurring a £5 underfunding fee for not paying in over a certain amount. Seeing as this account…
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HSBC Life Choices - Mis sold
Hi there I am wondering if anyone can advise me? My OH took out a loan from HSBC and was sold their lifechoices product on the basis that she was told that if she were to die the debt would pass onto the next of kin. From reading threads on here I understand that this is in fact not correct. Can anyone confirm this? If so…
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Bank Charges-HSBC
I wrote to HSBC 2 weeks ago using the templates and included details of my financial hardship with a document from CCCS. After 1st rejecting my claim I used the next template and HSBC phoned to offer me £700 (the whole claim is for £2450) immediately to cover my shortfall which if my claim is successful will be deducted…
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LloydsTSB - Very helpful?!?!? Thanks LloydsTSB!?!?!?!
Last month I went over my OD limit for a few days as I had to spend money on new car tyres, this resulted in a couple of DDs being returned and thus some bank charges. A few days later I managed to get the account back within the limit however the charges were already set. Knowing that I would not have the money to pay…
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halifax bank charges advise needed!!!
good morning guys i have just recieved a letter from the halifax saying that they will help us with an offer of £1649 from the £6000 originally claimed back in 2006. however, they have told me on the phone yesterday that the monies will be paid into our halifax account which is currently £2459 overdrawn. point 1. we…
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Cheque or Postal Order
Hi can anyone help? My financee is sending the first letter away to her credit card company to get her charges back but she doesn't have a cheque book to send the £10 fee. I have a cheque book would i be able to send a cheque since she doesn't have a cheque book? If not can i send a postal order? Thanks
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Capital One - low goodwill offer
Hi, I hope someone can point me in the right direction for my next step.... Sent a claim to Cap One for £338 plus £116 interest for charges going back to 2002. First response from them was along the lines of....the OFT hasn't challenged our right to charge default sums, just the level of these which we reduced to £12, so…
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Stu V Abbey SAR FAILURE QUESTION
Hello everyone I am new to this site, I have had two successful claims for Bank Charges and I am awaiting for the outcome of SAR for Bank statements with the ABBEY for an other account so that I can claim on that one. I am ok so far on this. I have an issue- where as I have around 7 closed credit card accounts that I want…
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Charity bank charges
Hi moneysavers Can anyone help me with this please. I volunteer with a charity that pays monthly bank charges even though it is always in credit and is not allowed any form of overdraft. We have telephoned the bank twice about this and wrote to them two weeks ago but have yet to receive any form of a reply. The banks…
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Credit Card charges - No account number??
Very very sorry if this has been posted before!! :confused: I am trying to claim back credit card charges from cards that were closed about 4 years ago. I have no statements or the cards, so I don't know the account numbers, etc. I have sent a letter stating my name and address to the companies (Capitol One & Egg) asking…
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bank charges refunds challenge!
I recently received a letter from my current bank in reply of the claim issued by my local courts: Nationwide Building Society Account Maintenance Refund of Charges Team Kings Park Road Moultoa Park Northampton XX3 6NW We originally responded to your claim on the 23^ Mairb 3009. if you would like us to re assess rour…
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Halifax financial Hardship claim
Hi, To cut a very long story short...6 weeks ago i wrote to the bank ( using templates from here, thank you!) to claim my bank charges back under the finanical hardship cases, I am disabled and my only income comes from DSS without this i wouldn't survive. I got the first letter back within 2 weeks asking me to fill in a…
