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Another hardship case!!
Hi folks, Have been visiting this site for many years as my reclaiming campaign goes on and on and on!! I have found it very difficult to get anywhere with HBOS, but I'd like to give you a breakdown of my fiancial situation and get your views on whether you think this does indeed meet the Bank's idea of financial hardship.…
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Where do I go from here??
I sent a letter to HSBC on 26th March 2010 requesting that they repay all of my bank charges totaling £2095 (I started incurring these charges in May 2008). I have since received a letter stating that they will not uphold my complaint and will not be refunding the charges. Where do I go from here?? Me and my partner are…
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was the bank right to charge?
hi, My bf checked his balance this morning and had let money go out of his account even though he didnt have enough in his bank it was a direct debit that he forgot about. He spoke to someone and they said he may or may not be charged with £20 charge he rang his dad to see if he could lend some cash so he wouldnt be…
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Mr
Hi We have handed over a large sum of money to CYD and was told that they would clear any outstanding depts ( credit cards and loans) from before 2007. They are registered with the ministry of justice but now I cannot get hold of anyone. Do you know anything about this company or have I been ripped off? There web address…
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Eric Daniels (Lloyds TSB).....
Does anyone have his email address?
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Hardship
Although i have not had charges for over 1 year i did have a claim in that was on hold for charges of around £5000 over 5 years. when i heard about the court ruling i i just put it to bed a forgot about it. i have since been made redundant (with no big lump sum!) can i now claim try to back under the hardship rule? If the…
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credit card charges refund
Hello, When a credit card company offers you a refund on past charges can you ask for it to be paid directly to you? The company in question say they are going to pay it directly back to the card. The card for all intents and purposes is closed (card is expired no new issue no more statements) and the account is assigned…
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Natwest Hardship Claim help please
Hi, Hope someone can advise me on this. I am trying to reclaim my bank charges under the financial hardship rule. Natwest have now accepted my claim and today i got a letter from them saying as a goodwill gesture they will pay £357 which is equivelant to the last 6 months of charges for being over overdraft. My original…
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Halifax Common Finance sheet (Financial Hardship form) Reclaiming Bank charges
Hi there, I would appreciate some help here :) I am currently trying to reclaim my bank charges back with Halifax. I told them that I fell under the financial difficulties catergory and they have since sent me a form (cfs) to fill out. The problem I am experiencing is that I have no idea how to fill the form out as I do…
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Court action and the fos
hiya, first time i ever posted a question so hopefully someone can help :) . At the moment i have a claim against the Alliance & Leicester. It is on hold in the courts. Can i withdraw the court action and then go to the fos ? Thanks
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Define hardship
Hi What level of hardship do you have to be suffering before you can reclaim your bank charges? I am currently in an IVA, would I qualify for reclaiming? Thanks
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I got a reply finally?
After waiting 4 weeks for them to reply which they should have replied within ten days I recieved this letter as follows: First please accept my apologies for the delay in contacting you I am sorry to hear you say you are suffering from financial hardship. After reviewing your case I am unable to offer you any practical…
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Is it still possible to reclaim?
Hi, This is my first post on this site, but i'm most definitely a long time reader! I first had my 'lightbulb moment' a good while ago and decided to reclaim my bank charges from Nat West, it turned out they owed me around 3 thousand pounds. I did all the necessary paper work but then half way through the claim the court…
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capital one address
i think i will be filling with mcol on fri please can someone give me the correct address to file against capital one as there are a few different address i have come across on the site......thanks
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A&L - Don't give up, and thank you MSE
Today I received a letter from the A&L refunding all the bank charges I have accrued this year (nearly £500), so don't give up hope that the banks are rejecting every claim, stick at it. I intially arranged an overdraft to cover the Christmas peak of presents and socialising, and despite being really good (I went into a…
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14 or 40 days?
Sent my letter to capital one asking for credit card charges to be refunded on 23rd march......no reply in 14 days......sent second letter threatening court action giving them 14 days to reply.....that was a week ago still no reply by post although capital one did ring me and said that they have 40 days to reply......just…
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Itemised Credit Card Charges?
What are Convenience Checks, Credit Card Cheque, Cash Interest, Purchase Interest and Cash Advance Fees? Should any or all of these be included in claiming back interest charges on a Credit Card?
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What kind of charges can be included in a Credit Card Reclaim calculation?
Hi, could anyone tell me if Cheque Handling fees come under the charges you can claim for on a Credit Card and also, is a separate letter required for PPI reclaims as well as Interest reclaims, therefore there would be 2 x sets of reclaiming documents for Credit Card and Bank charges?
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Santander charges
Ok folks here goes; On 5th January I had a DD declined because there wasnt enough money in the account (no quibble with that - it was a new DD which I forgot about!) Santander wrote to me telling me that they would charge me £35 for this bounced DD, the charge was applied to my account on 13th February, and since I dont…
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RBS - Bank Charges
I asked today in my local branch if i could reclaim charges £35 they had took off me, i haven't claimed anything back from then since i opened the account. The teller said if it was a bank error then yes they could refund, if not then no way have i got a chance. It was a DD that had came out, which i had forgot all about.…
