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Can the bank still take charges of you if unemployed?
Just wondering if the bank can still take charges of you if you are unemployed. as im unemployed, dont get much money, have my benefit paid into my bank, and so far last month, took £100+ off me in charges, this month so far, £40, is this right?
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A long story! help required please
Hi all, i'm new to the forum but boy do I need some help! Ok here goes... I took a loan at a ridiculously high interest rate about 7 years ago and couldn't keep up the payments...the loan was for 5k as I remember and in my stupidity I agreed to repay £13k!!!! I don't have any of the original paperwork and I now make…
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PPI and being self employed
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Help regarding bank charges made to me in 06
Hi I am being persued by a debt collection agency who claim that I owe Nationwide Building Society £455 on investigation it is from non payment of direct debits and the amount is for bank charges. I have gained statements and the last statement "sent to me" in march 2006 is for £73 statements before that are for £30 fee…
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Bank Charges
Hi, I submitted a letter to reclaim bank charges not longer before the ruling. They had originally declined my 1st letter and then following my 2nd letter they said they were waiting for the ruling. Once the ruling was made they wrote to me to say following the outcome i could not reclaim the bank charges. At this point i…
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Santander: Unreasonable Charges
Hi all, I'm not expecting to get a positive answer here, but thought I'd ask just in case. I have an account with Santander that I used to use as my spending money account, back in August I stopped using it as I became a student and left it £0.24 in the black. Over the next few months I checked regularly to ensure there…
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Little assistance needed!
Hi there, I'm about to reclaim my charges from Barclaycard and Capital One, hopefully will make a big dent on my debt with them. Question 1, where do I send the 2nd letters to? is the customer service address fine? Question 2, I'm paperless billing with Capital One, thus I receive NO letters from them at all about being…
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Lloyds-TSB - cheeky blighters!
Here's one reason why you should always go over your bank statements and charges with a fine-toothed comb. Bottom line is that if you get your bank to refund wrongful charges, make sure they don't charge you for crediting the refund to your account: I have both personal and business bank accounts with Lloyds-TSB. Transfers…
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Bank Charge - can they do this?
Hi I need some advice. I have a bank account with Abbey/Santander. Shortly after I got married (3 and a half years ago) I changed banks, but did not close the account down. It has been £0.88 overdrawn since then, then last month they slapped on a £100 unarranged overdraft fee. I have been told I cannot close the account…
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Fraud on my account - now bank / papal won't pay charge
My account with nationwide recently went overdrawn because of a fraudulent Paypal transaction. I informed the bank and paypal straight away. Ten days later I got the money back from paypal. But now I've been charged £15 by nationwide for going overdrawn! I told them (again) that it was a fraudulent transaction but they…
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Halifax Charges - never-ending cycle!
I seem to be caught up in a never-ending cycle in my Halifax current account and I'm not sure how to break free of it. (Bit of a long post, sorry, but these are just the facts) I have 2 accounts in Halifax #1 Cardcash, #2 Current account. My cardcash account used to be my main account when I was younger but opened a…
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Horific Halifax charges
Recently Halifax have started charging me £1 a day for having an overdraft, and £5 a day for being over it...i opened the account about 6 years ago when I was at university, and didnt qualify for any government funding. I am aware that I was rubbish with money at the time, and have struggled with money since, but doing…
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Halifax - £30 bank charges for not paying a Standing Order to myself- Help!
Hi all, Basically a few weeks ago I was getting quite into my spreadsheets/ forecasting, and I thought that it would be a good idea for me to set up a few standing orders from my main Halifax account, to which I receive my wages, to a few of my other Halifax accounts, which I hold for student loans, holiday savings etc.…
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Recent bank charges with Halifax
Hey everyone, Just wanted to make a quick query about some bank charges I've recently received from Halifax. Basically, the other day I unwittingly went over my overdraft limit, my debit card transaction at Tesco went through a few days after I'd been, so when I'd checked my bank balance the day before going overdrawn I…
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HSBC - reply regarding bank charges
Hi, I wrote to HSBC requesting a full repayment of all charges they have made since the beginning of the year. The reply basically said the charges were deemed as fair, and just explained why they were made etc. However being charged £50 for going £7 Overdrawn really doesn't seem fair to me. They have said I can write to…
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Claiming payment protection money help
Hello, I had a policy with lloyds tsb which started 05/03, during the period from 2003 to 2008 i have increased my loan two times ie the new loan pays off the old one. I have just typed out the sample letter which asks the bank for the paperwork terms and conditions, my question is will they send the info for the 2 newer…
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Help i cant remember my old accounts
Hi guys, Im new to this site but recently saw the PPI feature on Watchdog. In the past i have had loans with Cahoot, Northern Rock and credit cards with Barclays, Virgin, MBNA, Egg etc etc....the list goes on and there are probably some i have forgotten! Not to mention the store cards ive had too. :eek: I may be owed money…
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Barclaycard - Closed Account Refund
Hi, Barclaycard owe me just over £700 in unlawful charges, and have recently written to me to offer just over £300 including statutory interest. I am considering the offer, but I note that on the letter that they have stated they will ask the third party debt owner to adjust their balance accordingly, should I accept the…
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can i claim back charges ona closed credit card? and an address needed for opus
hi all can i claim back on closed credit cards? also does anybody have an address for opus? should i write to opus even though charges occured under citibanks? thansk in advance
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Being told to pay BANKS court costs!!!
Please I need help... Received a 'general form of judgment or order' this morning from the county court stating that as I didn't attend the hearing I have to pay the defendant's costs of £90 within 14 days. When I received the original date of the hearing it stated that I didn't have to attend and there was no mention of…