-
DSAR and SAR
Hi, I have just sent off a DSAR to Lloyds TSB for reclaiming mis sold PPI on a loan i took out in 2005, I have also read that I can claim back Bank charges that have not helped at all in my financial ruin of selling my house and selling my car just to make ends meet, anyway to stop blabbering on I wanted to ask if someone…
-
Lloyds Bank don't listen
Hi All, Just wanted to vent on here. We have been charged £75 in the past for going 2p overdrawn. So in light of the rang and wrote to Lloyds asking them to not to pay anything out if the money was not there. I would rather pay an unpaid fee than these extortionate charges. We have recently moved banks and thought we had…
-
Visa charge back
Hi not sure if this is the right place to post but i was wondering how i go about using the visa debit charge back, i bank with RBS. I ordered 123pounds worth of GHDs from lookfantastic.com, & they never arrived, i have called & called them & they have fobbed me off & won't refund me & have told me to contact my bank.…
-
Bit of a tricky one...
Ok... I have a few single Natwest accounts and one joint current account with my Husband. I am not working and have not been for a while and have been living at the top end of my overdraft in my single current account, however, my Husband works and his wages get paid into our joint account. I have been chatting to a few…
-
Co-op
Simple query. I made a claim for around £500 on my Co-op account around 18 months ago. Obviously with thE Court Case decision this was deferred and put to one side ( Needless to say they have never contacted me about it since). I recently recieved a letter telling me that their charges for unauthorised…
-
Natwest intimidating
Hello, I'm 20 years old from the UK I'm requesting some help on what I should do next. I have had a Natwest account for roughly the last 3 years or so. Last year I had a bank charge of £20 that I never paid. I accept it was totally my own fault not to pay it, but at the same time I didn't understand that it would roll over…
-
Charged £75 for 23p OD
Hi, I've never been charged before, and I am so angry I want to do something! Please advise or point me in the right direction! Im with HSBC, I don't have an over draft facility, as I never usually go over drawn. Last month I went 23p over drawn - I admit I am not sure how long that was for. I think 2 days at the very…
-
Bank keeps charging
I wasnt really sure where to post this as it is not so much about reclaiming bank charges. Basically I am struggling finacially at the moment and have asked my bank for help (increased overdraft for a few months) but they are not willing to help yet they will quite easily keep charging me GBP 25.00 every time I go over my…
-
Should my bank refund this charge?
I booked flights with BMI and paid a £4.50 fee for the pleasure of paying with a card. BMI have now cancelled my flights and while they're offering me a full refund they say they won't refund that £4.50. They say that the fee went to my bank. Do I have a right to ask my bank to refund that charge? Not only am I extremely…
-
Natwest bank and stupid charges
Hi Quick story I accidentally wrote a cheque from my wrong natwest account , basically it bounced and I received a £5 charge , which was fair enough as it was my error. I phoned them up straight away and he told me to just pay the £5 in from my normal natwest account and It will be fine. Anyway , later that day I…
-
lloyds personal banking advisor
mrs j had a meeting with her personal banker/ advisor with lloyds last year . now mrs j is martins worst nightmare come true, until i intervened she was maxed out on several credit cards , not paying minimum amounts , going over her overdraft limit etc etc , you get the picture . so last year she gets her yearly invite to…
-
Urgent! Bank Charges - letter from court, stay lifted?
Hi there, I wonder if anyone can help and give me any advice. This is the first time i've posted but this site has been really helpful since I started mine / husbands bank charges reclaiming back in 2007. To try and keep it simple we did all templates, letters etc. to HSBC in 2007 and took court action but it was right…
-
£140 charges refund with no action on my part!
Just went online to check my account, and I found the following entries: 21 Apr 2011 CHG GTEE CARD PYMT REF 30.00 - 21 Apr 2011 CHG PAID REFERRAL REF 15.00 - 21 Apr 2011 CHG RETURNED ITEM REF 22.00 - 21 Apr 2011 CHG S/C REFUND 71.43 - I did not ask for a refund, so I am not sure why this has happened (not that I am…
-
Halifax said no :(
Hello everyone, I hope you can help me.. I have three small standing orders that go into my son's bank account every fortnight when I get paid (just some money I owe him, catalogue bill, and 10 that I ask him to put away for me for christmas), it comes to 25 every fortnight and they are set up as three seperate standing…
-
Bank Charge Reclaim - Lloyds TSB
Hi I was just wondering with regards to reclaiming bank charges. I know some people seem to be successful claiming when using the hardship rules. I was just wondering if this would apply if I was going through hardship at the time that the charges were made. The bank has had about £800 off me in charges within the space of…
-
Alliance & Leicester Shocker - Urgent Advice Needed
I have a premier current account with A&L. I have been outside the UK for the last 12 months or so, and will be so, for a fairly long time. In Feb, my A&L Balance went to -£9 for about 21 days, as I do not have any overdraft arranged with the bank, I was charged a fee of £55 for this on 8th March. Atyer my balance had gone…
-
How do i stop unfair bank charges?
Hey there, I'm currently being informed by my bank HSBC they i owe them £50 that are all in bank charges. I was struggling to stay in finances when i lost my job in October and had to spend all my benefits just to survive. I then went a few pounds over drawn, which HSBC decided to charge me £15 for the privledge, but when…
-
Moving money from overseas
My daughter is currently living and working in Russia as an English teacher; because it's a cash economy over there, very few people have bank accounts and they all store their money under the mattress. So my daughter hasn't opened a bank account there. In order to get money into her UK bank account she currently sends it…
-
Credit Card Charges
In the information on this site it suggests that credit card charges should be no more than £12. I've done a SAR on Egg for the my credit card and find that i've been charged £20 per incidence of charging. So I intend to claim. Interestingly however the SAR printouts show their charges are £16 for each incidence, so which…
-
Is it worth it?
Hello everyone, Great to read your posts about bank charges and there is a lot of good info out there. But I basically have one question; is it worth it? I bank with both Natwest and Barclays bank. Over the years I have been charged lots of times for going over my overdraft usually get fined about £30. I would say I have…
