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Bank charges help
Hi can anyone help over the past year i have had MANY charges and was wondering if i am able to reclaim them.. also where do i find the templates for the letters... sorry if posting in the wrong area. thanks
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Charges & DCA Settlement, Thoughts please?
Hi Guys, first time posting on this section, so please be gently :o I'm thinking of attempting to claim charges back from my old bank (RBS) but things went a little bit wrong when I was with them and all of my accounts & my loan with them was sold to a DCA. I've not gone through my statements to find out the full extent of…
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Looking For Advice
Im a 18 Year old student at college. I recieve 30 pounds ema a week and that is all for my income ( i am currently looking for employment but not having much luck) I was released from hospital october last year and i managed to secure a late place at college, however when i first started college my ema application was…
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Overdraft charges
Just a thought but I see all these people getting loans and credit card balances written of due to unenforceable credit agreement (mainly due to the lender not being able to find the original signed agreement) and it made me think why cant this process be used for bank accounts and the ridicules fees. Just for a example…
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Urgent help with bank and link financial
Help please anyone, We had a letter from Abbey back at the beginning of March telling us that through the ruling they are now closing our case. We did not reply (our fault) but now they have sold the debt to link financial. They sent us a threatening letter to which we responded by telephone telling them that we are…
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Dodgy call saying can claim money back
Hi all. I'm a bit worried. In the last hour or so my wife has received a call from a company called UK Claims. They said that they were contacting all Lloyds TSB customers who had incured any charges over the last 6 years and that my wife was entitled to claim £700-£800. Legal fee charge £79.99 that was to be refunded.…
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Charged after the event
I rang my bank on two occasions in the last three weeks to ask how I could close an investment account and what was involved. I was told that all I needed to do was to write a letter asking for that account to be encashed. When I talked to the duty manager I repeated back that therefore all they wanted was a letter and…
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Guidance Needed Please
Hi all, I am in the process my credit card agreement. The company has said they will send me the CCA in due course. I did not receive a reply I followed the checklist provided in the forum (thanks it helps alot!!) but they still have not sent the CCA. This is what happen: 1. Request for CCA - Reply received account on hold…
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Re: Lloyds TSB...Any success/failure Anyone (FOS)
Hi, Just wondering if anyone had had any succes claiming under hardship through the FOS? My claim has been with them since my original claim was thrown out by Lloyds back in Feb 10. I went straight to the FOS who are still looking into my claim. I have scanned the website and i havent seen any success stories with Lloyds…
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Bank charge for exceeding overdraft - advice please
Hi all, Every month I make an outgoing payment of £280 on the 12th of the month, and to cover this and other costs in that month, I have an incoming payment from another account of £700 on the 10th of the month. Up until now this has all worked fine, but this month, the 10th fell on a Saturday. As such, my £700 incoming…
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Bank charges and interest calculator
I was wondering if anyone had the link to the calculator that u printed off to send to the banks, I clicked the link on the website and it doesn't seem to be working. Thanks
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HSBC Formal Overdraft Arrangement Fees
We just logged onto online banking to see we're being charged £25.00 Formal Overdraft Fees. Phoned HSBC and they say they've introduced yearly charges for formal overdraft agreements and they say they sent a letter to us informing us. We never received a letter yet they say the charge stands and the only way to waive the…
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Letter from LloydsTSB on my charges claim!
Hi, I have recieved a letter from Lloydstsb explaining that my case for bank charges refund has been ruled against in court and that if i dont reply to their letter within 8 weeks my complaint will be closed! Is it worth writing to them and asking for my complaint to remain open??? If so whats a good excuse to give them…
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Business account charges
Does anybody know if you can reclaim business bank account charges,if so is it in the same way as a normal account ie...letter to bank etc. THANKS;)
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£12 charges are they reclaimable?
£12 charges are they reclaimable?
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Unique Hardship Situation
My partner and I both had horrible financial situations. Until 2008 we had around £20k of credit card debt on which we could only mange minimum payments on, loans which we were paying (sometime from credit cards), two mortgages which were much the same as the loans. We also had a £30k mortgage overdraft reserve account.…
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Lack of Responsibility
Hi everyone. I agree that some of the charges levied by banks in the past have been unfair. However, am I the only person who believes that I have power over my own actions? If you overspend/overcommit etc and then you get charged for not giving THEIR money back to them then surely that is your own fault? Its disgusting…
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Rbs charges claim advice please :)
HI STARTED CALIM BACK IN 1997 WHEN THEY OFFERED ME A REFUND. I ACCEPTED BUT THE CLAIM WENT ON HOLD BEFORE I HEARD ANYTHING ELSE. i MADE A COURT CLAIM BAK IN 2008. i HAVE TRIED TO CLAIM FINANCIAL HARDSHIP WITH NO LUCK KEEP SAYING NOT ENOUGH INFO (ON MATERNITY LEAVE WITH CCCS AND THEY ARE TAKING ME TO COURT TO GET CHARGING…
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Help LLoyds TSB take my overdraft away and give me charges
Can anyone help please, i have had my lloyds tsb account since i was i uni, i have lived in the overdraft for years, but have resently got married and opened a joint account with HSBC so all my earnings go into this account. i have been chipping away at my overdraft on my LLoyds account since doing this, i have got it down…
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Reclaim Bank Changes - made a claim in 2007
Can I make another claim? I realise a lot has changed since 2007 but I am unsure as to whether I should make another claim or not. Many thanks! 64kazza
