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letter from abbey
got a letter from abbey/santander today basically saying they have wrote to the court requesting the claim be struck out,unless i file an amended claim with a properly verified statement of truth within 6 weeks. excuse my lack of knowledge but what do they mean by verified statement of truth? i am thinking it is not worth…
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claiming charges from a closed account
Hi i have had a letter from LLoyds stating that i owe just over £1000, down to a bank account i used to have with them it had a £500 overdraft and i stopped using the account when it was about £400 o/d and being stupid ignored it i have been in contact with them recently and asked for a list of transactions which they have…
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HSBC US Dollar account Charges
In 1999 i set up a US dollar account with HSBC as i used to receive US cheques for items i was selling to the states. I used the account for approx 2 years and left a balance in there of about $60. I knew their were fees attached to the account whilst it was in operation (maitenance charge,plus fee per cheque). I stopped…
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charges and interests payments
How do you know if the charges and interest payments are fair. We just started this year to get statements from barclay card, they add £8.00 a month on a balance of £700 We do not get any statement from RBS at all now for seven years balance is £600... need figure of interest/charges etc we have been on a DMP with payplan,…
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Bank Charges Reclaiming Advice
Currently facing up to my horrific financial situation, I was wondering what the current situation is regarding reclaiming bank charges. I opened a bank account in 2003 with RBS and I was a student, I must have had in excess of £1000 (a very reserved estimate) worth of charges against my current account, and I was…
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Bank refusing to acknowledge mortgage payment holiday
Hi there I am posting this on behalf of my mum. Last year she called her bank to apply for a 3 month payment holiday on her mortgage. After going through the details etc, the bank employee agreed the mortgage payment holiday had been accepted by the bank and everything had gone through. Everything was fine for 3 months, my…
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My Reclaiming Diary
Hi all, As part of my new found motivation to deal with my horrific financial situation, I am today starting the journey into reclaiming bank charges, credit card charges and missold PPI! I was hoping to keep this diary to update on my progress and ask for any advice along the way?? The situation is as follows.... Halifax…
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HSBC charges and credit card charges
hello, just looking for some advice, i claimed about 2k back from hsbc when the whole bank charges claiming started, no problem. Then i built up another 3k over 3 accounts, due to the fact that hsbc was charging me 150 quid per month on each account (450 in total) it went on like this for months not being able to get out…
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Halifax Unpaid item charge
Hi, hoping someone can give me some advice, i just received my credit card statement and there is a unpaid item charge of £12 for a direct debit that has failed to go through. The direct debit is set for the 14th of each month Basiclly i had a balance of £665 at the beginning of December which was owing and i paid this off…
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Definition of 'account in dispute'
Would be grateful if anyone can elaborate what constitutes an account in dispute. I understand of course that on a simple level it's when you dispute the amount owed on something, but need to know if the following scenario would in peoples view, constitute an account in dispute. Ok, I have a Natwest credit card and last…
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Halifax charged me when my paypal account was hacked!
So, the story goes.. My paypal account was hacked.. twice... both times money was taken from my linked bank account.. a Halifax cardcash account After going through paypal's resoloution center they agreed both times they were unauthorised and reversed the payments, unfortunately there was not enough cash in my bank account…
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reclaiming charges when account is in a DMP
Hi there was wondering if anyone could help me, I am wanting to reclaim my credit card charges but they are currently part of a Debt Management Plan. Can I still reclaim or will this jepordise my plan? Any help gratefully received Thanks Karin
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Claiming charges/hardship advice please
Both H & I have over £1000 charges each mine with Abbey & H with Alliance & Leicester. We did write to claim last year and they basically said no (after the court case). Both our accounts are with debt collecting agencies (Apex & Equita) I pay £13 a month & H £50 per month. We've just has a 2nd baby & really struggling…
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Confusion :S
Just a quick question... To get charges info from Virgin Money, do I have write to MBNA (they own Virgin Money do they not)? Also with this part of the template for requesting information: "I look forward to your response within 40 days, as _________ is obliged to reply under the Data Protection Act. " Do I need to put…
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Barclays Reserve Charges
Since losing my job in April I've been in financial hardship and struggle to get into positive figures. I have an overdraft of £500 which im always in, and my reserve is set to £150. The last couple of months I've been charged, as notified, £22 for each time I land in my reserve. November I was charged £82 and today I was…
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Can I reclaim charges of credit card debt has been sold to debt collectors?
Hi there. Could somebody help me? Long story short... My credit card debt with Virgin Money has been sold to debt collectors, and I was wondering if I could reclaim credit card charges from Virgin Money (or would I have to go through the debt collectors - so confusing!)? If they were to pay out, would the money go straight…
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A warning about Smile bank
Doing my taxes this week I needed to view some statements from April 2009 to April 2010. I was surprised to find that I could only view statements online up to 12 months old with Smile. (I also bank with HSBC and can go back years with online statements). Even more surprised and shocked to learn that the only way to view…
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halifax rewards
i got a overdraft £300 and i been with that for about 11mths could they take that money back anytime in the year or can it carry on because i got £500 a mth that goes in and £400 that goes out would that bother them if so am i best moving to another overdraft bank like lloyds
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halifax vs lloyd Platinum Account
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barclays charge £8
can i get a refund because im confused on there service i went over by accident of £1.50 on my overdraft and charged £8 but on the same day my o2 broadband took the £10 and got returned i paid £30 into the account which means on the day i went over i paid £30 in on same day shouldnt i not of been charged as i had…