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help with natwest claim please??
so i finally! got my statements through today i've been though them and the total of my 2 accounts are Total of both accounts = 5308 grand total plus interest = 6819.32 now should i treat these 2 accounts seperate or as one when it comes to claiming?? also i requested a loan statement with natwest have not sent as i had…
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Anyone Claimed Credit Card Charges from Bank of Scotland?
Hi, I've just sent my first letter to Bank of Scotland requesting details of credit card charges over the last 5 years so I'm only at stage 1. Anyone else claimed credit charges from B of S? Do they stall or is it a quick process? Not sure about amount of charges yet.
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Claim now pay later?
I'm as keen as anybody to stop the banks ripping us off with £35 charges for £1 overdrafts, but what happens if we win all get our bank charges back and then find that the banks reintroduce the sorts of charges that were common 20 years ago e.g. 25p for every cheque that they handled, 10p for every standing order they paid…
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Claiming 2wice?
Hi everyone:hello: I am with first direct (hsbc bank) and I managed to claim back most of my bank charges in 2007. When I agreed the sum and accepted I had to sign a form stating that this was full and final settlement. Anyway I have since had further bank charges more than likely totalling about £400/500. Would I be able…
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What do I do now - HSBC UPDATE
Hi, please help a newbie to this board :p I recently sent the first letter to HSBC to reclaim my DH's charges. They have replied with the bog standard letter saying that the charges are on hold etc so DH rang them to go down the hardship route on the basis we have a court date for none payment of council tax and also our…
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Barclays
I have written to Barclays in order to try and claim for £521 worth of charges. However, I have received a reply stating that most of these are reserve usage fees or referral fees and therefore not reclaimable. Have Barclays managed to find a loophole by re-naming overdraft charges? What is my next port of call? If anyone…
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where to send letters??
I'm trying to reclaim bank charges from natwest and have got to the point where i need to send a letter threatening court action, but dont know which address i am supposed to send this to. can anybody help please?
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Help! Halifax insulted me!
Hi, Can anyone please help and give me some advise. Im claiming financial hardship as i was made redundant 13 weeks ago, my wife doesn't work either as we have 2 babies. My bank charges are £7110 and Halifax asked me to fill in a financial statement which ive done, waited 3 weeks and a letter has just arrived....... In…
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Bank charges case - are clearing times being queried?
I've read a number of the articles and discussions on this site, but I don't think I've ever heard mention of whether the times banks take to clear funds is under question in the test case. I am currently challenging the Alliance & Leicester on a number of charges they have levied against my account, and as is the norm, my…
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Hsbc
This isn’t strictly about reclaiming bank charges, rather charges I am extremely unhappy about having to pay. My partner recently finished University in York and I had been living with her and 2 friends who were also students. We opened a shared account for bills with HSBC about a year ago and it worked well for all of us.…
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Which letter should I send to bank now??
I wrote to Lloyds on 3rd August requesting a refund for bank charges. To date they have not replied to it. I am not too sure which letter I should be sending next with everything being on hold. :confused: :confused: I dont qualify for hardship rules.
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Advice Plse -Bank chgs reclaim+hardship+FOS
I started to reclaim my bank chgs of £3k back in Feb 07 which eventually went to the FOS. I was made redundant in Oct 08 so asked for my case to be looked at under the hardship rule. In Feb 09 the bank made a goodwill gesture payment of £1316.25 but I asked the FOS to look at the outstanding amount. I today received a…
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Reclaiming Bank Charges, halted cos of test case
Hi, some time ago I applied to Nat west to repay Bank Charges incurred and they replied saying that they couldn't do anything till the test case results were in.. Has the halt been lifted now ?? Do I start the process again.. also I have a loan with everyday loans and they have been charging overdue payments of £25 a…
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FOS Adjudication - LTSB
Hey, Looking for a bit of advice again! This one has been ongoing with LTSB for well over a year and has been with the FOS since Feb 09. My complaint is relatively complex and covers a number of issues. I've recieved an adjudication from the FOS basically saying that LTSB have done everything they should have and that I…
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useful hardship tip
not sure if this has already been posted: I went through all of the steps to claim back charges of about £1000 all in all and just got the same old response of 'waiting for the court case' blah blah blah. I then sent in a hard ship letter and they got back to me saying that they had deposited a 'good will' sum of £2000…
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Have Natwest made a mistake?
I was just checking my account online and noticed that Natwest have charged me for an unpaid item but the problem is I can't find where the unpaid item occurred, not only that but they've charged me £152 :eek: I am in total shock to be honest. I understand they charge you for these things but £152 seems a bit steep. In…
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Bank Smart Qyestion
Both i and my partner have bank charge claims in process with bank smart since may 08 july 08 so a year practically and have not yet recieved anything back, my question is that we do not have financial hardship so we can not speed the reclaiming process up but i have since read some stories that bank smart can start…
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Chased by Lloyds whilst account with FOS
Hi, I have tried searching to see if this has been asked before but unable to find anything. I am reclaiming bank charges under hardship with FOS, however my bank, Lloyds TSB keep writing to me demanding payment. Can they do this whilst the account is under complaint? Anyone have any letters I could use? Thanks
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Can I claim back mortgage charges
I am looking at starting to claim back the bank charges relating to my current account, but I also have a second mortgage that I have struggled to pay over the last 4 years. I believe they charge me £40 every month for being over one month in arrears. Is it possible using the financial hardship route to claim back the bank…
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how many years bank charges can be claimed?
hi all im new to the forum, i am wondering if i can still claim for my HSBC bank charges, can i claim for the £25 they charge for each time i have overdrawn on my account. I have been charged almost monthly for at least 3 years from HSBC- i would like to know how i go about claiming-im not well off at all, and with the…
