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Lloyds tsb gold account monthly charge reclaim
Hi Been lurking on the forum and site for a while now. I reading up on possibly changing my current Bank account. I have a Lloyds TSB gold account which has a monthly fee of £12, I know their has been much talk about wrongful bank charges and was wondering if this formed part of this, as I thinking I may have claim for…
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I've got a court date for May & am worried what will happen!!
I originally had paid to go to court to fight for my bank charges but it was put on hold but a coulple of months ago I received notification from the local court with a court date for both my accounts. I am worried whether I should attend or not. I am worried that if I lose will I have to pay more money out? Can anyone…
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R.B.S charges
I wrote to the Royal Bank Of Scotland last year and was accepted under financial hardship. I then received a letter in Jan 2010 stating that my account had been running a bit better and they were passing control back to my own branch but "as a gesture of goodwill had re-paid my charges", this is now April and I still have…
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Nat West Shambles - Please Help
Sorry, needed to clear
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Need Advice - YB playing hard ball over charges
Hi all I recently wrote to yorkshire bank using the template letter on here asking them to reconsider their earlier correspondece telling me that since the court ruling my claim would be closed. I listed seveal reasons why i wanted them to reconsider, 1 being that in 2008 they agreed i was in hardship and paid me £1,700 of…
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LLoyds TSB are defending my credit card charges claim...
Hi all, Lloyds have decided to defend my claim and I have received a copy of the defence. Their argument is basically this: a) The charges are for credit card services, and are not damages nor a penalty. b) There is no breach of contract; the charge cannot be a penalty, consequently there is no requirement that the charge…
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Natwest no explaination for charges
Hi I have received my statement today from Nat West. Because I have been on long term sick, I have been using it for my bills, and have a £250 overdraft. I noted today that they have charged me £20 in Feb for going over 7.17p annoying but I suppose correct. But then In March they have charged me £20 for going over again in…
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Fixed rate cash ISAs
Northern Rock do a 3 year stepped ISA. Year 1 is 3.5%, Year 2 is 4% and Year 3 is 4.5%. This was the best rate I could find but haven't seen it advertised anywhere. They also do a 5 year stepped ISA with a better return still. Just thought I would pass it on.
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naughty hsbc
hi. i need help please. i had a business bank account with hsbc and associated with that their commercial credit card. I don't use their bank account anymore however, am not allowed to shut it down until i pay off the credit card. I have taken HSBC to the ombudsman to reclaim unfair charges due to my business having…
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Recaliming off RBS via Ombudsman
Im currently going down the line of the Ombudsman against RBS for bank charges totalling £1900 including interest. My case was on hold with RBS direct due to the ongoing court case. As a result of that i am going down the hardship route via the Ombudsman. Here is my basis below from the form@ 'I have written to my bank…
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claims help been sent round the bend
hi guys newbie here i have been trying to reclaim bank charges from the halifax for almost a year new back and forth with letters with no joy . during my time where i got hit hard with charges i had to put my self in to an iva but the bank dont seem to think i was in any hardship the last letter was a shockingly poorly…
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Unplanned overdraft fees
Hi, I know this is a long shot but I was wondering if I have a 'leg to stand on' I got a letter from the bank this morning telling me I was overdrawn (sent via 2nd class mail so I don't know the precise date) Lloyds say they're charging me a monthly fee of £15 for the unplanned overdraft, plus a £6 daily fee, plus interest…
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payment break plan???
hi all, just trying to sort out finances on credit cards etc and in the middle of claiming some of my ppi 's. on a couple of my credit card statements i have no ppi but am being charged " payment break plan" and " repayment cover". can anybody tell me whether these are the same as ppi and that i can claim these back at…
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Overdraft charge (debit card use)
Hi all Today i spent about an hour on the phone to my bank after noticing that they had charged me £20 for excess overdraft. This was from my second account that i use as daily expenses account so only has a max of around £30-£40. I always check my balance daily before going to work to make sure that there is sufficient…
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Llyods and hardship claim
I recently sent a letter to Lloyds TSB regarding reclaiming charges due to financial hardship. I explained that I had become unemployed and that I have serious mortgage arrears. I also informed them that I am currentlly being treated for depression. Their response...a bog standard letter twittering on about the supreme…
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Charges claim stayed in court - ombudsman? Need your help!
Can someone help me? I'm totally confoosed. I have a sizeable claim against First Direct for bank charges - around £5k.... I went through court and had the claim stayed pending the courts decision about the unfairness of charges. I haven't heard anything from the court, but today I got a letter from the bank telling me…
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Discrepancies with bank and my statement?!
OK, possible long story here, but bare with me! BoS contacted me with a you have a letter, for the online account (I have a student account). Now I was shocked as a letter usual means the "We are about to charge you [unfairly]" letter, so rushed to log on and see the damage. To my shock, the account was healthy, or as…
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Citibank £25 charge
Hi, I had £240 in my citibank current account that I needed transferred to my Lloyds TSB account. I initiated a transfer of the amount on citibank.co.uk but it didn't go over immediately so instead after a day I withdrew the money from an ATM and deposited it in my TSB account myself. Now citibank have charged me a £25 fee…
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HMRC Small claims refund
Can anyone please shed some light on something for me. I made a claim for bank charges refunds through HMRC Small Claims just before it all went on hold. I seem to rememeber something that if I cannot claim, I am entitled to the initial fee back via a refund. maybe this is just wishful thinking but I keep thinking about it…
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Confused.Can they really get away with this?
After lurking around on the forum looking for similar stories to my own. I am sure no two stories are alike but I needed some point of reference and some advice. Hopefully someone could point me in the right direction. This is the situation - August 2009 I opened a Halifax BoS Rewards Account which has a £300 overdraft…
