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MSE News: End the 'rip off' charges says Miliband
This is the discussion thread for the following MSE News Story: "The Labour leader says the Government should intervene on exorbitant charges for savings, holidays, banking and parking ..." Read the full story: End the 'rip off' charges says Miliband
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Transaction taken without my consent
Hi, I have just had my car insurance take two transactions. One for the monthly instalment and a £65 charge as they say they have cancelled my policy and that the monthly charge was for last month that wasn't paid. I have called my bank and they say they cannot re call the £65 as it was taken using my card details (which I…
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Unsure if I can reclaim PPI on Barclay Card
Just wanted to know if I can claim PPI on a Barclay card that was paid off in 2010. The reason I ask the question is because the Barclay card is not in my name. It is in the name of my girlfriend’s father. I found out a year ago that my girlfriend’s father was in debt to the tune of £9,000 on his Barclay card. I only found…
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Pre-ticked PPI with Capital One
Hello I wonder if anyone has any experience of Internet Based applications for CAPITAL ONE. I recently wrote to them asking for my PPI back. They proceeded to send me a screenshot of a ticked application box from 2001. And said GO AWAY, you ticked it. I read that some lenders had this box pre-ticked. And it was only in…
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Santander Direct Debit Error
This post isn't strictly about reclaiming PPI charges but as it relates to bank accounts I couldn't see a more appropriate forum. Please feel free to move. Last week I closed my bank account with Santander because they were charging me an under funding fee. I had a couple of Direct Debits set up on that account and…
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Bank Overdraft Protection Insurance
Can I claim back bank overdraft protection insurance?
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Is it worth using one of those companies if your bank won't pay out?
Hi all I've been trying, literally for years to get smile bank to pay back our charges, we've paid out a few thousands in charges and got in a total mess with them - charges on charges and so on. They've always refused, we've tried hardship and straightforward claiming. After years of paying back our overdraft we have…
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Can I claim back charges - Yes or No?
A one word response will suffice to this question. Yes, or No. Back in the early 2000's we got into serious debt, therefore incurring many charges on our credit cards and bank accounts. Ultimately we went onto a debt management plan with the wonderful Payplan people, and bit by bit we managed to pay our way out of debt,…
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Miss Sold NatWest Credit Card PPI 11 years ago
Hello forum, When I first took out my NatWest Mastercard and Visa (joint account) in 2001 (approx) I was sold PPI without realising it. I was young and foolish at the time and didn't realise what it was. At the begining of 2004 I had realised it was somthing I didn't need but didn't understand where it had come from. I…
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Claim charges and a penalty after an IVA?
Hi Everyone, I recently paid off my IVA early (through a friend) and before i took out the IVA my bank had charged me around 3-4 charges for going over my limit. Also, as my IVA was in process, a payment from a friend was taken by Natwest necause of the in process IVA, to which they never gave reasons why or bothered to…
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can i claim my bank charges
hi can anyone help me i have a bank been with them for many years i had an overdraft for years and it was free but not am paying 15 pound mth for £300 overdraft but i have an £350 overdraft now the are charges me somtime £31 mth sometime its £41 plus £15 pound fee :mad:if i can claim this back i hate to think how much they…
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bank just a nightmare
hello to all, can i ask for help please? short history,went the way of claiming back bank charges i myself got mine from clydesdale bank but just after my claim my wife did but got held up in the court process,anyway now its over we continued on wifes claim back but got no where,we went then via hardship as now and for few…
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Can i claim back charges?
I have seen the page on MSE regarding claiming back charges, and have seen you can only really do it if you're in financial hardship. I was wondering if this means I a currently in financial hardship, or at the time the charges were applied? I was in college getting EMA - £30 per week when I went overdrawn, by accident, on…
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MBNA Lost statements
Hi, I've been watching with interest (no pun intended) I'm looking to claim back the payment protection cover, the trouble is I've shredded a lot of statements, I know monthly on average the charges were around the £45 mark, do I need to list all charges i.e aug 2007 £48 sept 2007 £45 or can i just request a rough figure.…
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HSBC Help?
I have banked with them since i was 10 with the junior account, so 14 years and in that time i have been charged at least 1k in charges (normally for me going over my overdraft), can i claim any of that back or an i not eligible as it was my fault for going over? thanks x
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Beware First direct 250 interest free
Not sure if I have posted this in the right place but just a warning about First Direct's "£250 completely free interest free overdraft" This doesn't mean that it is without any charges. Unless you have "a formal overdraft facility" as they call it, although there will be no interest up to £250, you will still be charged…
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Reclaim PPI on closed accounts?
Just something that I wanted to clarify that if you've run the course of your credit card(s) and closed them off and paid them off, will there still be a point to try reclaim potential PPI fees etc? To clarify, I had gone into debt management to get rid of all my crap (all clear now by the way, minus the overdraft) and was…
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credit card ppi from 12 years ago on active account
My dad has had lloyds tsb credit card for last 12 years, it is still active but has prob only been used one or twice in last 6 years, but the 6 years prior to that he was always quite near his limit of £3000 and paying PPI which he believed was compulsory, even although he got full pay if absent from work, and it…
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Possible to reclaim £12 overlimit fees from RBS?
I have a business credit cards with RBS and am becoming increasingly frustrated with the charges applied. When using the card my spending doesn't go over the credit limit but when interest is applied this puts me over the credit limit and RBS are charging me for this. Surely as my actual spending isn't putting me over the…
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Credit card charge claiming whilst on DMP
Hi, some advice please! I am currently on a DMP and feel I could pay a chunk of it off by reclaiming all the fees (there were many - 13 credit card accounts :eek:) I'm not sure who to send the SARs to tho because many of my accounts are now with debt management companies. Do I send them to the original credit card…
