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Capital One and fees over 6 years
Hi Folks, I’m hoping you could give me some advice please. I reclaimed credit charges from Cap One in June 2007; I asked for £1,800 inc interest however they offered £428 which I politely declined. They felt it was justified because “although feel £20 is just fee, we’ve reduced our fees to £12 so that were in line with our…
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My Reclaiming Story
Well I'm finally giving it a go!, I've been looking here for a very long time, wondering if I should or shouldn't, but I wan't to clear a lot of my debt and a big chunk like this will help, even if it just gets my cards within their limits. Finally after a week of debating I sent the letters to Barclaycard and Capital One…
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Can I Claim Again???
Hello I am a First Direct customer and back in summer 2007 i recieved a bank charges refund. However, years down the line im still getting charged and in the last couple of years the only thing that is pushing me over my overdraft limit is the bank charges themselves so its a vicious cycle. Its costing me money i seriously…
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PPI Help Please
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PPI success - how do the companies refund you?
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Confused about bank statement recieved
Hi there, last year i was in debt with santander bank i was overdrawn 1,000 pounds, but last week i recieved a letter than showed me a statement of that account but it showed i had 1000 pounds in the account(no minus or overdrawn signs) at the bottom of the letter it read : Dispute resolution If you have a problem with…
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Halifax bank charges, should I try?
Hi there, I have been with the Halifax for around 3 years now and on;ly recently been struggling a little bit finacially after a couple of hefty fuel bills. Since December I have been going over my £100 overdraft. For some reason it will let me go £65 over but no more. I get charged at £5 per day whilst I am over the £100.…
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Ridiculous bank charges...
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Is it right that there is a time limit on claiming?
Hi all, I keep seeing this advert on TV that says contact them to claim PPI before your time runs out. Is that right? Do I have to claim before a certain time? Hope you are all well. Lorraine:)
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Is it worth trying?
For about 2-3 years now we have had this reserve fee with Barclays where you can have an extra £250 for 5 days. We have checked on numerous occasions with barclays and they assure us you can use the £250 level for up to 5 days without being charged for it as long as its paid back within those days. However, and I wouldnt…
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What's the difference between self employed and being a Director?
I'm pretty sure I have been mis sold PPI both on bank and CC loans over the past 10 years - but I'm looking at the Financial Ombudsman template to fill in, and Section D1 gives a number of checkboxes, including 'Employed', 'Self Employed', 'Director of your own company'. My difficulty is this - I started a company in 1999…
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Bank Charges Again
Hi There im going to try and reclaim my bank charges from HSBC for unauthorised overdraft charges etc, i am currently on a dmp and because of all the past bank charges which i had over 2 years ago this was the result and i had to start up a dmp. However i am a bit stuck with a template letter not sure what to write, can…
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barclays not replied
hi i started my reclaim with barclays a while back, followed the steps and sent a well modified letter, using the template. I used the human argument as i was and am still in financial difficulty.( claim for £ 2300) barclays wrote back a few weeks ago asking me to fill in a debt/budget planner ( which i did although it…
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natwst - topic closed
Ive closed this topic.
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Reclaiming Credit Card Charges
Hi MSE Martin between me and my husband got quite few credit card debts for years due to my husband suffering bipolar2 addiction gambling. Some creditors still paying £1 token payment, 5 ccj court cases have gone through and few more can't supply Credit Agreement accounts been suspended. I just got email from MSE topic…
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HSBC charge issue
HSBC charge issue Okay I had an £88 direct debit to come out of my HSBC account. On the morning in question I put in £80. I didn't realise that there were insufficient funds. I got a letter from HSBC about a charge and thought fair dues. I went onto my online banking and was shocked to see that a huge credit had gone into…
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reclaiming NatWest charges - opening 2nd account?
Hi, I am trying to reclaim bank charges that started snowballing when I lost my income, then my (rented) home. I got NatWest to send me a list of my transactions, wrote to them and then they wrote back asking me to complete and return a financial statement form, which I did. NatWest just rang me and said that another…
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Help! Reclaim the right ltd....
Hi, i keep getting phone calls where people put the phone down! But today they actually spoke! It was some woman telling me my bank wanted to pay me 3 grand for bank charges (would be nice!!) she got to the point where she was telling me my old address and when i said i had moved, she asked for my new address, i didn't…
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Lloyds Bank charges on charges
Im with Lloyds TSB Gold account and charged £20.00 per month for the 'priviledge' of having a good overdraft amongst other benefits. Unfortunately, I have been in the overdraft constantly lately and every month I am charged the £20.00 fee, plus overdraft fee and charges. Is this correct? Thanks
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nationwide, paid item fees & faster payments scheme
Hello all. I have a Nationwide cashcard plus account and recently opened my statement to find that I have had 5 paid iem fees totaling £75. When it comes to banking im quite carefull to ensure that there is suficient funds available to cover debit card payments. last month I transfered money from another account using the…
