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£12 Credit card charges
Hi all. Quick question! I have successfully claim back just the £12 charges from Tesco and Mint for charges over the last 3-4 years. I have also tried to claim just £12 charges back from, Egg - now barclaycard, MBNA, and Halifax - they have all truned me down after sending all the template letter, court action letter ect.…
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Halifax Bank charges
Hi, I have started a DMP with the CCCS from October 2011. Prior to this we have been in fiancial crisis for many years, using credit to pay credit due to income reduction and increased interest charges. I contacted the Halifax when DMP commenced and they agreed to stop charges and interest on OD for next 12 months and…
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Claming back charge etc
Hello How would i go about doing this? ill quite happily pay someone to do it so i dont have the hassle, do they just take payment from charges once they get them back for you?
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Clydesdale Bank /sandander charge- scam
I use internet banking every day to check my available balance. In the past month i have noticed that the 'available balance' is not actually what you have available in your account. Last night at 10.30 I checked online I had £5.20CR ant this morning I was £11.47 DR due to a debit card payment that was debited just before…
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SHOCKED by new hsbc bank charge..
well to me its new anyway. I wonder whether ive not been charged before as i was on a student account. Anyway - i have had an "informal" overdraft fee from HSBC for this month of £88. This because i went overdrawn £89. They say they would charge me £25 for each transaction (which would have been more - but instead, to make…
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Is this S.A.R letter acceptable?
Hi, Im trying to help a friend get his 6 years of statements from his credit card supplier. Is this SAR letter ok to use please? DATA PROTECTION ACT 1998 SUBJECT ACCESS REQUEST Date: xx:xx:xxxx Dear Sir/Madam Name xxxxxxxxxxxx Account No’sXXXXXXXXXXXXXXXXXX I understand that you currently hold details of my personal and…
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NRAM Offer - Help Please
Hi Everybody, could some body advise please. I applied for a loan in June 2007 which contained PPI, the capital loan was for £7322.40 including interest, the PPI policy was included in the cost of the loan for £3879.60 including interest. The loan payment was £93.35, broken down £61.02 cash loan and £32.33 on PPI premium…
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help needed with santander address please
Hi I am looking to write to Santander to ask them for my list of charges etc over the past 6 years - can anyone please advise me of the correct address to write to please as I have two addresses. Secondly has anyone been successful in obtaining these details without sending a £10 cheque??
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Advice Needed RBS Reclaim
Hi So I wrote to RBS to claim back my boyfriends bank charges saying that he is struggling to pay direct debits etc etc. They have now written back to him asking him to fill in a form with all his spending and it is getting passed to a "specialist team" to assess whether he is in financial hardship or not. They said we…
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Re-claiming Bank Charges from RBS or BANK OF SCOTLAND
Hi there My sister had a current account with both of the above from 1997-2002, during this time she has clocked up a whooping £3000 in charges from RBS and £2000 from Bank Of Scotland!!!!!! We only became aware of this as she is trying to repair her credit history to obtain a mortgage and we ordered copies of her bank…
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Did you know that HSBC start the next day at 23.45 !!!!!
Hi there. Have incurred a couple of £25 bank account charges from HSBC as a result of my account showing a balance exceeding the overdraft limited despite having logged on to internet banking before midnight and transfer suffiicient funds from either my business account or our joint account. I queried this and today…
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Santander account almost£300 over the overdraft...
Hi, just wondered if we can argue a case with Santander... We don't use the account anymore and cancelled all the direct debits, except one :-( Anyway we got charged for it bouncing, charged for going over the overdraft and every month now I they are charging £100. We ARE willing to sort this out, they're now threatening…
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Reclaiming Bank Charges when on a DMP
A few months back I went on a DMP plan, and changed to a new bank account. My old account had an overdraft and I had used this plus the buffer limit they had given me (for which they charged £25 per week every time I used it). I was going through a lot of financial hardship at the time. I was going through the snowball…
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can someone help me with store card charges??
Hoping someone can help me without being patronising on here all i want is advice. I have had a mk 1 store card for about 8 years only £150 credit limit which i always kept to and never missed payment, about 3 years ago they were taken over by creation i think and since then its been a nightmare. I have not used it for 3…
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MBNA says no to credit card charges - next step letter please..
Can anyone point me in the right direction of the template letter for threatening court action to credit card company for refusal to pay my £12 charges. Sent first letter. They replied by enclosing a leaflet from the ombudsman stating £12 is fair! :mad: thanks guys
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What the????
Hi, wonder if anyone can help me, I have received a letter from a company called Sigma, and HSBC in the same envelope, same number to contact on both also. The problem I have is, this was an account I had about 8 years ago, I reclaimed my charges total: £446.74, the account was closed, and because the charges were due to a…
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Firstplus Query re PPI
Hello, hope someone can clarify. I successfully managed to claim back the PPI added to my loan last year. The 5 year PPI policy that was added to my loan came to an end in November 2011 and I received a letter to advise me that I would be advised to look at investigating alternative PPI cover to cover my loan in case of…
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Barclays Reserve
Hi everyone. With pay day loans being hammered for excessive fees, could you all look at Barclays Reserve. I can borrow £150 for 5 days and it costs me £22 each time. On my personal account Can someone tell me the interest rate on this and your views compared to payday loans? I use it a lot (stupid i know) as i am on a…
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claimed ppi lioyds ..not got money yet
Hi everyone..we put in a claim for ppi against Lioyds and was sent a letter on 28 november 2011 saying we have got some money coming to us and we have given you intrest untill december 26...Now jan 11 and still no money..we did phone them and to be truthful they were abit off with us and wouldnt tell us when we would be…
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santander charges
i dont really know if anyone can help but all advice would be greatly appreciated :) in november my son used my debit card to pay 9.01 to riot games for in game items, by doing this he put me 4.98 in the red with my account. i dont have an overdraft so was very worried about being in the red but the bank didnt take any…
