-
Halifax credit card charges
Hi all I've requested all default charges be refunded to my Halifax CC which total £619. Halifax have written back to me offering to refund £355 "as a gesture of goodwill" - this amount is the difference between the fees of £20 and £25 and the new level of £12. Does anyone know how easy the Halifax are at being likely to…
-
Natwest charges... GRrrr!
Please can anyone help me? Natwest sent my recent statement, informing me that I am going to have two charges taken from my account on Sep 1st. When I went into the bank to query them, I was told that one charge was because I went overdrawn by approx 5-6 pound- as soon as I realised this had happened I put money into my…
-
Sending back hardship form...
Has anyone ever sent back the form using the envelope enclosed? I really cant afford to pay £4.50 for special delivery again!! :o Do you think i should risk it or sacrafice? lol Thank you xx
-
Capital One fees?
Just wondered if anyone has managed to claim back Capital One £10 over credit limit fees? I'm a little confused about the £10 fees as some people have claimed that £10 is a fair amount to charge and not as excessive as bank charges?
-
Loan with a bank you're claiming from
I've got a Lloyds TSB account and I'm just about to send off my letter to claim for bank charges. I was wondering, though, I have a loan with Lloyds TSB also. Is there anyway that they can demand that I pay my loan back as some kind of punishment for claiming back my charges? I've heard of banks closing down accounts,…
-
Advice on overdrawn money with Natwest
Hi I have recently overdrawn a very small amount of money from my Natwest account, 24p to be precise, after being sent a letter to acknowledge this i payed £500 into the account the same day. I have just recieved a letter confirming that i will be charged £38 for being overdrawn along with a £20 'service' charge. I have…
-
GE Capitol Bank -can you claim?
Does anyone know if you can claim back late payment fees from House of Fraser and other store card late payment fees? Is it just the same as with a credit card? Do you just go through the same process?
-
Choose when you pay charges
I assumed that I had no control over when charges were taken off my account but it would appear it happens a set time after your statement date ... I discovered this morning that I can choose my statement date and therefore the date my charges come off !!! ... Now I have decided any charges I incur will be taken from my…
-
I've just had my first ever bank charge.
Due to a mix up in communication, a monthly standing order for £350 from our Halifax account, had not been cancelled as it was supposed to be. Not the bank's fault, completely our own doing....I though OH had done it, he thought I had. Anyway, this account had been run down so there was only approx £200 in it at the time…
-
Barclays - Reserve Usage Fee
I've been reading a lot of the information on the topics and in the forums, but I haven't seen the Reserve Usage Fee come up or be mentioned. Is this 'fee' covered by the data protection act letter and is it a valid 'fee' to reclaim? Basically, I was at the limit of my overdraft. Then, Barclays put in an account fee of £7…
-
First Direct Bank Charges Problem
Hi Guys, I have a bank account with First Direct that I don't actually use anymore but which has an overdraft that I owe some money to. I was thinking about paying off the overdraft and closing the account as the robbing gits charge £10 a month to keep the bank account unless you pay in about 1000 a month or something. I…
-
What is classed as Hardship?
I am curious about this, I know there are threads here and there on here about hardship etc, but never had time to look through those threads thoroughly, so thought I would post a thread on here myself direct, could you please tell me what is classed as hardship? My guess is that of Unemployed Mortgage arrears Difficulties…
-
bank charges on mortgage
Quick question I have a mortgage with the Woolwich which has been in arrears for a long time and they charge me £4o a month because Im more than 1 month in arrears. Can i claim back (using financial hardship) the money they have been charging me?
-
HSBC claim advice please.
Hi all this is my first post and i`m looking for some advice please. I bank with HSBC (for my sins) and have incurred 3025 pounds (sorry i don`t have a pound sign on the keyboard) in bank charges over the last 4 years. I am a single mum to 2 small children and i have proved that i am struggling and claiming under hardship.…
-
unenforceable credit agreements
I know that unenforceable credit agreements on current debt can be challenged depending on when you signed them and what they contained. What about credit agreements that may be unenfoceable in relation to debts you have already paid? Can you be compensated on these as advertised by some companies or is this just a waste…
-
abbey - appauling behaviour
I put in my request to get my bank charges bank with Abbey, I received the standard letter saying the account was on hold etc But also included was a "telephone complaint form" This form looks like its an internal form used when people call in and complain... fair enough.. however its not mine, its got someone elses…
-
Have you heard of clearyourdebtuk.com??
I just received a call from clearyourdebtuk.com telling me they can get money back from my credit cards and it wont cost me a penny!!! has any one heard or had any dealing with them :confused:
-
Barclays chasing money I owe them but they still owe me
Whilst living in the UK I had a student overdraft of £1600. I moved to Ireland in 2006 and made a claim for unfair charges to the value of £1400. The claim is in the 'on hold' section for now.... Anyway, I am due in court next week for the full £1600 that barclays say I owe them. Any advice on how to proceed? I have…
-
Business account help required.
I had a business account with Lloyds from late 2000 until they closed it in April 2007. Initially I had a brilliant business account manager who helped me and when I went overdrawn, arranged for me to pay back £50 every month off my overdraft to get the OD down. This worked fine until he moved to another branch and I was…
-
halifax offer under financial hardship
hi, im new on her but have been looking for a while at the posts....i have 2 financial hardship claims at the moment, one with the rbos and one with halifax, the rbos claim is for approx 2000 and the halifax is 1200, i have received a letter from halifax today stating that i am in financial hardship and they are offering…
