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Advice Needed
Hi, I am new to this thread so please forgive me if I am not posting in the right section this was the closest place I could find. I am just wondering if banks can overturn decisions they have made on an account? i.e. fraud that was resolved in your favour from several months ago? Cheers~
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No idea where to start...
Hi all, Im a little unsure exactly who/what I can claim? Does it cover, home insurance & mortgage, or is it only credit cards and loans? Also, all the ones Im thinking I may be able to claim from are paid in full and closed or over 5 years old, is it still worth a letter? Many thanks
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help needed
hi am claiming ppi for the first time need help i have painting off a request letter asking them to send me the credit agreement and also i have another letter request a fully comprehensive list of insurance now do i send them both together and when do i send the complaint form??/
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Company says it has no papers
Hi Martin , I contacted santander ( account originally with alliance & leicester) about my morgage account to find out if i"d paid a PPI.I sent them details of the morgage address plus the names and D.O.B for myself and my wife as we were both on the morgage and told them I no longer had any paper work .Santander wrote…
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CCA sent out but incorrect
Morning. Requested a copy of my credit agreement and after much waiting received a copy that i don't believe to be the original. The loan was taken out before egg joined prudential and in the t and c it mentions prudential . Also the signature box is a tick box which I believe is legal but again not from the loan I took…
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Should I try?
Hi I have encured alot of bank charges in the last 6 years! I have made steps to stop this on a many occasions but have never been able to get out of the cycle. I have moved banks 2 years ago and only had my HB paid in to Abbey account but they take charges from that ranging from £5 to £80 :eek: i have check the last 2…
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starting with ppi
Hi guys, new here so please be gentle. I want to know if I am able go reclaim on the whole Ppi thing but the problem is that can't remember the first company I took a loan from. Similarly, my elderly parents are also unsure on where when and how much of a loan they took from different companies. So my question is that how…
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MBNA - default charges etc HELP 1st claim
Hi just wondering if anyone can offer advice. Sent M B N A my letter from the site (well the letter you get off the site as letter one for unfair charges) I have had a fat envelope which has cost me £10 Subject Access Request Fee. I am impressed it was quick,:j But not with my spending...quite frightening.:eek: I have 39…
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Reclaiming bank charges - help
Hi After reading about reclaiming bank charges i decided to have a look and see if i could reclaim any charges. I followed the advice and asked for a statement of charges which adds up to over 1000 pounds. i wrote a letter based on the template on this site and I have now received a response from the bank. They have made…
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Lloyds TSB Bank Charges
Hi everyone, I'm posting on behalf of my mum, who went into Lloyds last friday to check her statement (she no longer gets them in the post for whatever reason) and a member of staff flagged up a £8.95/month charge on her account. Apparently she's on an old 'select account' that offers AA breakdown, phone insurance and card…
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returned direct debits
Hi Folks Need urgent advice on the following: Submitted a small claim in my local court (Scotland) as I always do, citing the same legal arguement i.e. Dunlop v pneumatic. I have done this several times before. These cases are never contested and I have always won by default. However, this time it seems BOS have appointed…
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What a mess!
Further to a post I made a few days ago, I have been doing a little research. I needed to know what happened to Goldfish, More Than and CSMA (LV/Frissell) credit cards, now I do. Goldfish along with CSMA went to Morgan Stanley, took on Black Horse and was sold by Discover to Barclaycard. More Th>n was an Accucard, owned by…
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Nationwide Charge
Hi, I was looking through my statement last night and noticed that a Direct Debit for £20.25 had returned unpaid on my account. This has resulted in a £15 pending charge on my account. In 2011 I've had four charges refunded via the gesture of good will policy and since then when failed payments have come through they will…
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mbna statement
hi i have just found a statement from my credit card dated 2007 i was just read it and its got on there i was paying payment protection now can i claim that !! but the account is closed i didt ask for that
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£1,400 Refund from Santander
I am always amazed when I come back to this forum, how many screws, how many fights and how many people are suffering because of the banks' incompetence. Of course, what we see here is only the tip of the iceberg ... and how ling did it go on before the internet!?! OK, just some good news. 5 months I posted about a friend…
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Help 1st HSBC Reclaim of Bank Charges - Refused
Hi, We sent the complaint letter in as per the one on this site to ask for bank charges back. Over the last few years the total charged has come to over £2700. The claim being made mainly on the grounds of hardship. Part of the reply is "As you will be aware, issues relating to the level, fairness and lawfulness of of…
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Bank Charges was in financial difficulty at time, now paid off - can I still claim?
Hi I joined a debt management company to pay off debts that had crept out of control. One of these debts was £2200 overdraft with Lloyds bank. I continuosly paid an amount for 4 years ranging between £40 to £90 a month to pay off the debt. Every time a new agreement needed to be made with Lloyds through the debt management…
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Natwest bank charges passed to DC
My Natwest account had charges added to it for a bounced cheque. As at the time we were waiting to see if this was illegal in the courts, I didn;t pay the charge. This then amounted to £425.00!! I complained - they dismissed the complaint. Natwest have now passed this to a debt collection agency who are chasing payment for…
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Bank Account subscription charges
Can anyone help? I recently i came pn here and found an article about reclaiming bank subsription charges when i hadnt signed up for an account like this but i now cannot find it. Does anyone know where it is. Basically i was with one bank and had an ordinary account - no commitments or benefits to it. When that bank was…
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Bank Charges reclaim submitted, no resolution
Dear All, Hopefully someone else is having the same problem or knows a way of speeding things up. I've submitted a Bank Charges Reclaim as per CLICKY about 3 years ago. I've been hassled no-end by debt collectors etc for the balance ever since. (Of which I'm absolutely not paying until some resolution has been agreed) Ever…
