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Battling with NATWEST
Hi all,succesfully claimed my bank charges before the "TEST CASE" started.At the moment i'm claiming my wife's charges under the hardship rules.Her bank has sent a CUSTOMER FINANCIAL STATMENT form to be filled in. Is this the procedure to follow or is there a better way,also any hints or tips on filling this form out…
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Do I have a case
I've just found out my wife has been paying PPI on her credit card since 1998!! and she says she was told she had to have it. This is a Lloyds TSB credit card which is still active today. Do we have any kind of case?
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Capital One?
Hi, I have a credit card with Capital One and it went to Debt Recovery Agency and then on to another, at that point I wrote to them asking for my credit agreement to be sent to me, they agreed and put the account on 30 day hold saying the agreement would be sent to me... this was in June and I never received it...now…
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can i claim???
hi all. new to this site. hope that i ask the right questions? have been self employed for 25 years +. have had various loans over the years for vans. cars etc. also credit cards. have always paid them never defaulted. always had ppi's. i have been informed that as i am self employed,if for some reason i could not work ie…
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Reclaiming Bank Charges with Financial Hardship
Morning all, Last year I filled my complaint against the charges to my HSBS bank account and received confirmation they have noted my complaint, but it is being held until the outcome of the court case. I recently read on a MSE email the possibility of speeding up the process, as those in financial hardship should be dealt…
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Being charged more than £500 per year, can I claim financial hardship
I have read elsewhere in this forum that if my bank are charging more than £500 per year I can get my claim processed quickly as financial hardship. My situation is a little bit complicated my husband and I are currently living abroad which our bank is aware of but our address with the bank is still our uk address which we…
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Reclaiming £12 CC Charges
I sent my first letter to Mint which asked for repayment of just over £100 worth of £12 charges. They declined to pay and gave me the usual blurb. Sent a second letter threatening court action unless they repaid plus 8% interest. Also sent a without prejudice letter saying would just accept refund of charges without the…
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LLoyds TSB - charges correct?
I am trying to reclaim bank charges on behalf of my brother from Lloyds. I have sent Martins initial letter off and received copy charges. We are claiming under financial hardship. The charges from 2001 to date are all mostly for small amounts: 0.12pence to £105.00 maximum. When I claimed from Bank of Scotland all my…
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bank charged me because tax credits not paid!
Hi all, have done a search but couldnt find specific to me, i was charged bank charges of £60 because the tax credit people did not pay in their error and i went overdrawn as a consequence with no money coming in immediately, so i got charged £6 pound per day on top of their £25 charge i do not think this is fair! is there…
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egg banking
hi wonder if some could give me a little bit of advice, i have a credit card with egg, got into a biot of difficulty when oh was out of work they passed the accountover to bryan cater sol, i wrote to them in may asking for my signed credit agreement did not hear back from them untill 3wks ago when they put in a claim to…
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Financial hardship complication
Hi there. First of all thank you Martin for this wonderful service to the online community and to all of you for accepting me on this forum. This is a complicated situation, but I will do my best to simplify and get to the point. I had no idea that it was illegal for banks to make these charges, and in fact I have had to…
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capital one reclaiming success
Hi everyone, This is first time I've done this but thought all you reclaimers out there would like to know this. I put in a claim for my son from Cap One in March 2009. Sent to Cap One letters from MSE website in order dictated but they declined, so contacted FOS on 17 June '09 and on 27 July '09 had letter from them…
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Reclaim for A Joint Account - But I'm no longer named on it!!!
Hi I would like to claim for the charges that were received on an account that I held jointly with my ex-husband. However, as we are now divorced I am no longer a named person on this account and he now holds it solely in his own name. Fortuantely, I have the list of all the charges since 2001, as they sent me this before…
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Epic battle : Barclays, Tesco (RBS), HFC (HSBC) and Capital One Vs PacalsPenniesCount
Hello All.... I am truely amazed at this consumer crusade... Now I am joining the ranks to fight the rip-off banks of england! I am starting my claim today for Bank Charges against Barclays... I am starting my claim today for Credit Card charges and unenforcable agreement with Capital One.... I am starting my claim today…
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HBOS Incomplete List of Charges Received
Hello! I recently completed Step 1 of the Bank Charges Reclaiming process as outlined on the website. I sent a letter to HBOS on 1st July 2009 requesting a list of charges from 27th July 2001 until 1st July 2009. They responded with a bundle of statements from 24th June 2003 - 1st July 2009. There is no mention in the…
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Returned cheque natwest
I wrote a cheque for £24 over two weeks ago, i have had money in my account since then.... i have noticed that the cheque is showing up today but i have no money in my account to cover the cheque until tomorrow! I phoned my bank to asked if there is anything they could do, they said no & the cheque has been returned…
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Reclaim on a CLOSED ACCOUNT and NO record of acc. number - any ideas? Possible?
Hi, I would really appreciate any help at all from people. Apologies for the capitals - I just didn't want the thread to get buried. My brother went through a bad spell about 5-6 years ago as a teenager when he ran up massive debts relative to his earnings at that time. He reckons he must have been charged around £1000 in…
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Halifax and me...
Hi, Ok to cut a very long story short, I attempted to reclaim my bank charges back under the Financial Harship rules, I sent away the letter ( thank you for the template!) After a few weeks I got the standard issue reply, however they did accept i was in finincial hardship, I was given the number for the "Money management"…
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Shocking behaviour from Natwest
I had an account with Natwest - last year I was overdrawn on the account and kept getting charges. Last August, I had a bit of money, so I phoned them and asked to pay off the whole lot , including any upcoming interest or charges. I also asked to ch...ange my address with them cos I'd moved. They told me that I couldn't…
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Hardship Claims with Clydesdale/Yorkshire Bank
Hi Guys Hope this finds you all well! Has anyone here had any experiences claim (under Financial Hardship) with the Clydesdale/Yorkshire Bank? I have been waiting since June for them to review my hardship case and found out today that they will be getting round to it at some point in the next week - which is great. We are…
