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Clydesdale Bank Song - patience gone!
Hello All, Having chased the Clydesdale for charges (over 6K), and got nowhere, PLUS having had them consistently (persistently?) send statements to the wrong address, regularly cancel my overdraft (computer error of course) AND tell one of my clients my balance over the counter.... I have had enough and am resorting to…
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Reclaiming from Lloyds
Hi all i sent a letter to lloyds well over a year and a half ago requesting my bank charges back, they sent me a letter back saying they were currently still going through the dispute with the high court or whatever it was and i havent heard anything back since. Should i write back or are they still under dispute?
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Anyone have experience of issuing MCOL against American Express
I've gone through the 2 letter process with Amex and they will only refund the difference. They say if I take court action they will defend - Does anyone have experience of taking this action?
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Just a quickie! hardship letter
Hi, Have sent SARS and reesuts for fees back letter am now filing hardship letter, have a claim on hold with mcols already. What should the letter say, how long do i give them to return or i complain to OFT? Thanks Missal
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Natwest Charges Claim
We started to claim our charges from Natwest back a few weeks ago under financial hardship. It's only about £300 but it's better in our pockets that those of the banks. Today we've received a financial statement to fill out and send back. Once I have filled this out do I need to send anything back with it to save them…
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Can someone de-jargon this letter for me!
I have no idea what they are talking about - as normal!! If anyone could give me some insight into this letter I have received from my local court it would be appreciated Before deputy district judge Ashley sitting at ** county court upon the courts own motion. The court has made this order of its own initiative without a…
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Bank charge query
Hi I was hoping someone could tell me if a bank are allowed to give me charges for being overdrawn when it was a charge from them that made me overdrawn in the first place? I had no money available in my account with Alliance & Leicester when a charge of £40 was taken out for being overdrawn the previous month. I accept…
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HALIFAX refusing to pay charges back as cheque!
Hi, I have had a payment offer of £1,127 from Halifax for the charges even though the actual amount is over £2,000 I want to take it obviously continue fighting for the rest but I don't use my Halifax account anymore and really need the money for other more urgent debts, I have just rang them and they have refused what can…
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Writing to bank for list of charges...
I have finally got round to reading here about how to reclaim bank charges (and credit card). It all appears to be very detailed and involved to someone like me who gets overwhelmed with all things financial. So just a few questions at this point. If my account and credit card are with Lloyds TSB do I write to same address…
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Capital One "Never Ending Story"
Just a quick question to anyone that knows. Do I have to send £10 to ask for details of the charges that they have charged me on my account to be sent to me? They are really wearing me down on this case it has been going on for ages and it has taken them 2 months to reply asking for this £10 to be sent and then they state…
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Reclaiming reserve usage fees-misled by branch (collections said so)
Hi I have an ongoing saga with Barclays as in my other thread, http://forums.moneysavingexpert.com/showthread.html?t=1832883 and i have printed the letter asking for a statement of charges. The collections man who called me told me that the branch staff should have removed my reserve the first time i asked, and that i…
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Concerned about consequence of reclaiming
Hi, I am about to start helping my friend reclaim bank charges, and it seems he would fit the financial hardship criteria. This claim will be against Barclays, he has a current account with them which has an overdraft of £400 which is up to the limit, and a personal loan with them in the region of £10,000. His credit…
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RBS trying to fleece me.
Dear all, In early 2007 I closed my account with the RBS after opening a different account. About 4 months after leaving them I got a letter from them asking for £160 in charges, I contacted the branch and advised them that I had hand delivered a letter to the branch advising them that I had closed my account. They said…
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Reclaiming charges and accounts being closed
Hi there this is my first post on here so sorry if this has been answered before! I'm Just at the beginning of attempting to reclaim charges (credit cards and catalogues) I know that on doing so, the account(s) can be closed by the various lenders but are they allowed to close the account and demand the outstanding…
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Unfair Terms and Conditions - Court Action MBNA
Firstly, I accept I'm going to get a beating from the posters who will say, "you didn't comply with their T+Cs, it's your own fault - so you don't have a prayer" Well - I fell into the usual trap of making a mistake in changing a standing order in respect of a changed payment date by MBNA last year. £270 odd interest…
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what do i say to Debt collector agencies
I have sent the templete letters out to lloyds and HSBC,but as they have passed my debt to debt collector agencies,it is them who are still phoning me for payment,what is my legal right with these agenices do i still need to pay them?I have not heard from either bank yet with copies of all my charges. Thanks
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Can I still claim??
I wanted to claim back bank charges from the Halifax. I was in the process of doing this and they sold my debt to a debt collection agency. Can I still claim even though they've done this?
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Newbie starting case with HSBC
Hi all I am a newbie to the site and just wanted to check some details. I would appreciate any help/info you can give. I have just started a case against the HSBC and called them requesting details of all the charges on my 2 accounts (joint and personal). In asking for them he did say it can take 40 days. How long do you…
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abbey given me 20% of charges
hi i spoke to the abbey today after doing a hardship claim and they gave me £1546.57 which is roughly 20% they said they work it on % total charges are £7500 roughly hurray can pay some bills
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reclaiming on secured loan
hi we have had a secured loan on our property for last 9 years - some of these have been tough and so sometimes payments where a bit late - no more than 30 days and always brought up to date. the loan company have added many charges over this time and have now informed me that £2000 will be outstanding when the loan…
