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bank charges and time limits....
Hi can anyone help????? I started to claim back my bank charges from clydsdale bank filled out the template and everything sent it off, received a letter the other day they said that the account and address could not be found, I actually got the account number from the head office in Glasgow. This account is closed and has…
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credit card refund for increasing credit limits
had a phone call saying i could get a compensation for having my credit limit increased without my permission but wanted me to pay them 250 up front using my credit card which he assured me would be refunded, he told me his company name and an address and phone number but i refused to give information is this a scam
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Charges older than 6 years
Hey All, I've been (trying) to communicate with the idiots of MBNA over various issues. My current one is credit card charges, dating back more than 6 years. They have wrote back to me informing me that they will not be refunding me any fees over £12 because I've had no charges in the last 6 years. With my initial letter I…
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Beware....
A couple of days ago I received a phone call from a 'gentleman' stating that he wanted to repay money back to my account which had been overcharged in interest. He wanted my personal details such as my DOB. As I have recently moved house, alarm bells rang. I asked what bank he was referring to and he evaded the question…
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AIMS Reward = PPI Claim
DO NOT USE AIMS REWARD for PPI Claims. Have spent the last 6 weeks trying to get my £250.00 refunded which I very foolishly paid up front. Spent hours on the phone. Never received any paperwork and now told that the 14 day cooling off period has expired . Apparently the £250.00 was for a membership that would save me money…
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MBNA Rejection
Hiya Woindered if anyone could help me. I have recently sent off the letter to MBNA to try to claim back the PPI I have paid for years now. They have come back and rejected my claim stating I ticked the box about PPI when I started the credit card in 1999. I have tried a few times to cancel this and more or less been told…
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Reclaimed Bank Charges! Do I have to Pay Tax on it??
:j:T Great news today as a £423 cheque arrived right before christmas... but I just wanted to know if I need to pay tax on it? Hopefully you can help, it may be a silly question. (I'm not self-employed etc. just in a regular full-time job)
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Bank charges refused
I received a letter today saying on the 25th nov 09 the supreme court said that the level of unarranged overdraft charges is not assess able for fairness this means banks won their appeal This was from the ombudsman I'm guessing I should give up???
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Disgusting behaviour from Barclays
I've been a barclays customer for over 13 years. I've been making headway over the last five years in clearing out my student debts. I paid off over £7k in credit card debt and was working on my overdraft of about £1600. I got made redundant in June and went into my reserve overdraft a couple of times. Barclays refused to…
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Ripped off by the bank.
I'm not sure if this is the right forum but I hope so. Last month my wife had her bank card stolen and our account was almost fleeced. In total they took over £800.00 from the outset the bank have shown they have little or no idea how to deal with this kind of situation. When she discovered her card missing my wife phoned…
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Searching for old loan & credit card numbers for PPI claims
Hi, does anyone know how to search for old loan and credit card numbers? Are there any companies who offer extended credit history searches? I've checked my bank statements online but I can't go back any further than one year and I also called the bank who couldn't help me. I'm trying to reclaim the PPI on my old loans and…
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Bank charges reclaim success- Santander
Hi all Just wanted to share with you all a small success story on bank charges. I had been following the bank charges reclaims with interest until last year when the High court blocked any further reclaiming and pretty much forgot about it, however have found in the last few months that I have begun inucrring charges of…
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C-Card APR and Daily Interest % calculation trouble - when trying to reclaim Card PPI
Have tried searching the forum.. but no dice....... How does Halifax come to a Daily Interest Rate of 0.055% (they state on their monthly statements) based on an APR of 21.95%???? If you take 21.95% and divide it by 365 days, you get 0.06013% and when you divide 21.95% by 0.055%, you get 399.09 days ???? When I'm working…
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TSB Hardship reclaim attempt
hiya there everyone, im lookin for some advice if ayone can help me out? way back in june 2008 i try'd to start a claim wth the TSB for my account charges that i had been recieving. i sent my templete letter off with my details, and i felt that they should look at my case due to my on going situation of hardship. i had got…
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Lloyds TSB advice
I've been looking into my mam and her partners finances and both seem to be entitled to PPI claims. My mams partner has had 5 loans in the last few years with Lloyds TSB all of which he knows had PPI added too them without his request/knowledge ( he's only just learnt what PPI is after me printing info off here and…
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First Direct Rip Off / Scam £175 for 2 weeks over limit
Hi there, Got a letter from First Direct a couple of weeks ago saying I'd been charged £25 for an "informal overdraft arrangement". Today, I get a bill for £175 for going over my limit 7 times in the same month by only around £100. So essentially they have billed me £175 for going over by about £100. Their original letter…
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Can they close an account - first Direct
Hi everyone, Ok so about to embark on the quest of opening a claim against by bank. Just downloading by old statements. The bank in question is First Direct and at the minute I am not in the greatest position with them. Could they turn round and ask me close my account. Sorry I realise the answer must be here somewhere but…
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Reclaiming Bank charges - NatWest - so far
Hi guys I wrote my letter (using the Financial Ombudsman template, and adding in some hardship details) and sent it to my bank NatWest. Firstly I sent it to my branch that appears on my statements, is that correct? I sent the letter on the 2nd Decemeber 2011 (1st class), so they should have had it for around 10 days now…
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Congestion charge unfair penalty
On the 11th of November 2011 I had entered a congestion zone area, unfortunately I had forgotten to pay the fee on the day, and so I contacted their office on 28th November 2011. The woman explained to me that there were 9 outstanding fines under the registration of my car but due to the vehicle not being registered to…
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Help and advice on reclaiming - Unknown account numbers
Dear All, I am about to get started on my bank charges but I haven't the foggiest on my account numbers. Plan is to pull all my old accounts of experian/ equifax and start to contact but can you do this by phone or is it all post. Then ask for list of bank charges against these accounts post I presume. Sorry very stupid…
