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test case
when will the test case be over ?
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Can you reclaim interest if charges were made on interest free student overdrafts?
I've just had a thought. Some bank charges were made against me when I had an interest free student overdraft. Not many, but some. Dumb question perhaps, but presumably this means I can't claim interest on those specific charges?
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claiming hardship on wifes bank account
hi could anyone let me know if my wife can claim back her bank charges using hardship. i was injured at work and have been on half pay for a while and we are struggling because of this. the dwp have accepted that i am now disabled because of the accident and am getting a small amount of benefit which is being payed into…
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Court Information
Hi, wondering if someone can point me in the right direction. I've been unsucessful with my first 2 letters to relcaim catalogue charges from shop direct. I've been advised to send them a 3rd letter telling that that this is the final chance to pay up or I will take them to court. I was also advised to read up on the Court…
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DFS- Mis sold PPI?
Hi all This is my first post on this forum so I hope you dont mind me asking a few questions. In Dec 2006 me and my OH bought a couch from DFS in their "sale". We have just recieved our first proper statement from them in over 2 years and it turns out we have PPI with the interest free deal we took out. We NEVER take out…
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Bank Charges Hardship - which court
Could anyone please advice as to which Courts are hearing cases in financial hardship regarding Bank Charges, I live in northwest. Many Thanks julesverne
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Reclaiming Situation: which Option would you Choose?
Here's my situation: In May 08 for the first time I sent a bank charges reclaim letter, going back exactly 6 years to May 2002. They told me the case was on hold and so on. Thus far, I am still biding my time and waiting to see what happens, even though I might well be able to claim hardship. Options: #1 The reason I am…
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new to this
hi ive wrote to my bank the alliance and leicester askin for the bank charges amount on my account i enclosed a cheque for the 10 pounds over 2 months ago but i havent heard anythin yet i did copy martin's letter sayin i would give them 40 days to reply. i didnt put on my letter that i was in financel hardship will this…
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14 days has expired what next??
I wrote to my bank wishing to reclaim my bank charges on the 3rd of this month. i am asking for a hardship claim due to my circumstances and i think i fill almost all of the criteria for it.On the template it says i wish for a reply within 14 days now obviously i haven't heard anything back so whats my next step as it…
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Overdraft protection & Account Fee
Hi. I am with Barclays (though for not much longer I hope), and for a number of years I have been charged an Account Fee of £12 and an Overdraft Protection Fee of £8 each calendar month. On top of this each time I went over my overdraft limit, even for a £1, I got the standard letter costing me £22, For years I was dumb…
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moving home while reclaiming
HI all, i started to reclaim my bank charges from halifax about 18 months ago and i got the usual reply "we have to wait until the test case" etc, i have moved house twice since i started to reclaim and have changed address with my bank but do i have to change address with a different dept regarding the charges as i dont…
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MBNA - Reclaming Charges
Hi everyone, I'm looking for some advice over a issue i'm currently having with MBNA, it started in february when i missed a card payment due to absent mindedness. In order for it not to happen againg i called up MBNA's customer services (CS) line and got a direct debit set up for the minimum payment, which i got told…
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Confusing letter from Barclays - how do I respond?
[SIZE=-1]Hello, Around a month ago I sent two letters to Barclays: - One was a letter seeking a reclaim of PPI I paid on my graduate loan - The other was the standard template letter for bank charges refunds, but I claimed under the Financial Hardship rules and also attached the correct budget planner former as provided on…
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Letter from barcleys - Asking for sort code
Hi everyone, I sent the first letter to request the amount owing etc to barcleys and i have received a letter back requesting the sort code. I didn't think that you needed it as i asked on here and i was told all i had to do was supply name, address date of birth etc. I have supplied all this but they still want my sort…
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Help fellow reclaimers!
Hiya, just wondered if you could all shed a bit of light on my charges queries. I spoke to an employee of Lloyds TSB a few weeks ago who asked me if i had ever had details of my bank charges. I said no but that i did want to chase it up however i didn't see why i should have to pay out an extra £10 to obtain these when it…
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Does claiming JSA count for hardship?
I haven't paid my council tax for a while but i have explained to the council and they will start talking money from my JSA per week, i can survive of JSA just now so it is hard to say if i am in actual hardship, i mean never have any moniey but am i actually in hardship?
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Please Help, At My Wits End!
Hiya On Wednesday i was hit with 3 bank charges totally £105. I'm currently living off £80 a week for myself and 2 young children. Anyway, this has left me £35 overdrawn and no money until Tuesday when i get my next lot of money. As i'm overdrawn, i'm going to be hit with another £28 bank charge, which will probably come…
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Advice on sar request with captital 1
Hi everyone I sent off a Sar request with Capital one and was due to receive this back this week on the 28th August. This was sent recorded, with the fee and included information from mr previous name- ie maiden name. Received a letter yesterday, asking for copies of documents to show name change and the £10 fee. What can…
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hello,i had a loan and credit card off HSBC
Hi,i had a loan and credit card off HSBC about 8 years ago,and had alot of charges on them both,but have lost all the details for both,how do i claim for the charges on these? Thanks alot for any advive TOM
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Has anyone claimed £12 charges?
Hi All I wrote to Natwest to claim back 2x £20 charges and 23 x £12 charges plus interest. This came to over £400. They have written back stating they will refund £26... Should I push to claim for the whole amount or will it be rejected? I still think £12 charges are unfair! Reading more posts on the forums, some people…
