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Reclaim bank & credit card charges

Archives for April 2010

Scam re bank charges
Just had a call telling me good news, as all my bank charges are going to be refunded. I couldn't quite work out who they said they were, but a 1471 came up with just 0123. I know this is a scam, as I have never had any bank charges - but very worrying for people taken by them. Basically just told the foreign sounding guy…
Someone advise me on my new claim idea please?
Correct me if i am wrong, i suggest we claim that the banks have not been great in their complaints department, i understand that 2 of these big banks are to have hefty fines slapped on them by the FSA, it is my opinion that if the FSA can fine them then so should we and we should start a campaign up for compensation -…
Bank Charges Opt Out procedure - how should it work?
What's this all about? Following the OFT’s decision in Dec 2009 not to pursue the bank charges test case, earlier this year it released a report (sadly disappointing) into how it expects banks to improve unarranged overdrafts; one measure being to encourage banks to allow consumers to opt-out of charges. (See the MSE News…
Bank Charges - HSBC
Hi everyone, I had a claim in with HSBC for £1500 of bank charges, this was obviously on hold because of the test case. I received a letter in January saying my claim was unsuccesful so following this I wrote a letter explaining I was in hardship and would they reconsider my claim. I had a reply in March basically saying…
Serious Financial Hardship, please help
sorry this is a repost mods please delete
Bank fees
Hi peeps just a quiky i borrowed money from the nat west back in 1989 i still have the loan agreement where they have taken £275 on top of the loan can i claim that money back with interest ty
Serious Financial Hardship, please help
Hi all, here's hoping i can get some advice. I receved this letter from Barclays this morning. First part was "Sorry you're in financial hardship, we'll pass it on to a specialist department for advice and support." blah blah blah! "You should have received a letter advising you that we are not upholding your complaint…
Please advise!!!
So, as many others, put in a claim for the refund of my bank charges back in 2007. Of course, my claim was put on hold while the case went to court, where we lost. I recieved the standard "we are closing your claim" letter from Barclays Bank, pretty much the exact wording as others I have read on this forum. So I put in…
Help-Natwest Bank Charges
Hi everyone, Im sorry if this is posted in the wrong place, but I need some advice. I have been banking with Natwest for 10 years and have never had any problems. I have a £100.00 overdraft limit with them and have never been overdrawn etc. Last month, I didnt realise and was dipping into my overdraft limit, I then had a…
Some advice please??
In late 2008, I submitted a claim to Lloyds TSB to have bank charges returned which I felt were unfair. I got a letter saying nothing would happen as it was in court so all cases on hold. I waited some time and got a letter saying they were refusing to repay due to the court ruling and if i had the right to contact the…
Alliance & Leicester the most dishonest bank ever?
Hi, I wanted to issue a warning to anyone dealing with Alliance & Leicester. I had a direct debits due to go out which I didnt have enough to cover so I paid in funds cash, I checked my account and they were all paid no problem. I was then issued with a bank charge for going overdrawn, and when I checked the debits &…
Me -v- Northern Rock
Hi everyone ! Have been battling with Northern rock now for nearly 3 years to get my bank charges refunded (much of that time due to claim put on hold, (re recent ruling). Amended my claim and resubmitted to bank. Below is my amended claim to them (as per letter template), and below that is their final response. Not quite…
HSBC claim (DMP)
Hi all, just a couple of quick questions, hopefully somebody can help me out. I submitted several years ago a claim against HSBC for bank charges but it was on hold for the test case. My partner and I where then in financial hardship last year, they asked for SOA which I sent off and they said we wasn't in financial…
Reclaim GST/PST in Canada airport
Can anyone tell me how to reclaim GST/PST at the Toronto International airport. Is it still valid. What all receipts can be reclaimed.
MSE Leaders' Debate: Bank Charges Future and Past
This thread is specifically to discuss the Bank Charges Future and Past question in the guide: Bank Charges Future & Past: MSE Leaders' Debate To discuss or ask a question about the guide: click reply
A&L witholds info
i strongly believe A&L deliberately withheld details of a phone call i made at the start of this whole issue. I called them to stop a cheque and they stopped the wrong one and as a result i ended up with my first charges . I have always considered this the reason for my debt with them and a shock-wave to over bills. They…
Bank charges
If all failures then take the bank to the financial ombradsman. I worked for HBOS and the bank has to pay a £500 fee which is no refunable to the ombardsman regardless if they win or loose So if you are reclaiming £200 in charges and threatened the ombardsman, then i am sure the bank will see sense After all if you won…
Shop Direct Accounts
Hi, I sent SAR request to Shop Direct regarding three accounts, have now received most info as requested although there is some that I think is missing from one of the accounts so I will have to get back onto them for that. Anyway, I am in the process of adding up charges etc on the other two accounts and was wondering if…
Negotiating a settlement with cash
Hi all, Re. trying to come to a cash settlement, and the effect on your credit rating. I'm with Lloyds. After the landmark case, I sent off a letter in line with MSE's latest guidelines, pleading hardship etc. The long and short of it is that they have rejected my claim for £3000. My overdraft stands at £3000 and I am now…
Debts
Not sure what to do, husband (and inadvertantly myself) have built up HUGE credit card debts, we did manage to freeze them about a year and a half ago and are now paying approx £30 off a month to each one - is there anything else we can do. Obviously on top of these debts we have normal day to day expenses and sometimes…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Reclaim bank & credit card charges

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