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Vanquis Repayment Option Plan
Hi I signed up for a Vanquis credit card in August 2010 to rebuild my credit. I never sign up for PPI, or anything that allows holidays or freezes, such as this ROP, yet to my astonishment I have checked my bills and for the last two years Vanquis have added this ROP every month. I have read some other posts/articles and…
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Bank Charges Help Needed
Hi, Newbie here, so please take it easy on me!! As with most people I rely on my overdraft, I wish i didnt, but I have to. Over the last few months I have been getting charged on my account for going over the OD, When I have checked, the reason I am going over is because of the banks charges, so every month I am now…
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Capital One, Stall Tactics what next?
After some research I know 100% Stall tactics for capital one. I received the initial letter back stating needed more time, then shortly afterwards this rubbish about unable to investigate my concerns due to the signature on the letter sent to them does not match with the signature they hold on file. then asking to send…
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My Bank has deducted 20% tax from my ppi claim
My Bank has deducted 20% tax from my ppi claim is this normal pratice in all ppi claims ?. Dan
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Nationwide Debit Card Reserve Limit
Any advice welcome.... Approximately 5/6 years ago I called Nationwide to remove the reserve limit that they put on my a/c without my knowledge. This allowed them to charge 15 POUNDS everytime I withdrew over, taking me into negative. So, if I went overdrawn by 5p, I would be charged 15 pounds. Apparently it's a 'buffer'…
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Skycard/barclaycard payment break plan
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HSBC bank charges
To cut a long story short, 4 years ago I made a Student account with HSBC with an agreed £500 overdraft. I have reduced this amount to £400 with some spare cash I had. This overdraft was interest free and was really helpful to keep me rolling over. Recently, my account seems to have change to a Graduate account. The…
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Santander Overdraft charges
Hi everyone any thanks for any guidance in advance. My wife and I have 3 current accounts with Santander (originally Alliance and Leicester) one each and a joint. My wife was made redundant so she stopped using her current account as nothing was going in it. The other day we got a letter saying that there was £108 owing on…
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Barclays Bank Charges (Help needed)
Hi all, i wrote to Barclays asking for bank charges to be repaid. Heres my story. I was renting with my husband and began to struggle with money, went into my reserve, began getting charges at around £88 a month. This went on for nearly two years (making a total of around £1900) and we eventually had to move back with my…
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Barclays Overdraft Charging
I have a regular payment going into my bank every 4 weeks. I have set up a dd from my current account to my savings account for the amount the same day. At 12am I check my account to make sure the money has gone in and it has but the dd does not take affect til a few hours later. However on my bank statement it is the…
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I dont know if I can make a claim for PPI or not
I took out a loan over 10 years ago with Natwest and had an overdraft/bank charges with Barclays and HSBC both of which accounts are now closed. These were all paid off about 5+ years ago but unfortunately I have not kept any paperwork and nothing is showing up on my credit report. So does that mean I'm wasting my time as…
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Bank Charges
Hi everyone I remember reading a couple of months ago that some still managed to get overdraft fees returned by the banks (not entirely but some percentage). I was wondering if anyone has had their money refunded recently and how long one can expect for the whole process. Thanks in advance. (long time lurker but 1st post…
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Bank charges for not paying yourself
My nephew has a Santander current account and a savings account also with Santander. He pays £20 a week into the savings account by standing order. He went overdrawn recently and they have made a penalty charge for the standing order which leaves him further overdrawn till he gets paid again in december. Can he appeal or…
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reclaiming charges - Whats the state of play ?
Hi All Quick Q to see if its worth me continuing down a road ive been travelling on and off since 2008. Long Story Short - £200 Overdraft with lloyds led to charges of over £1000. They have been chasing since 2009/ 2010 - My argument towards them was always that lloyds owed me in excess of £6000 in unfair charges dating…
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Double Wammy from Natwest
I made a claim for my back charges to be reclaimed, and went to the small claims court. However since OFT was taking the banks to court, they held the decision. 3 Years or so since then, is there any chance of me moving forward - as there is another side of the story. Since as a matter of principle (bad decision) I left…
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Reclaiming Business Bank charges?
Hi. I have a Business Bank account with Lloyds TSB. Over the years i have had a few charges and now i would like to try and get some of that money back. I am struggling to find advise on this matter. OFT, FSA and CAB all claim they have nothing to do with banking charges. I have found a template letter on-line but the…
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Advice / re-claiming Bank Charges
Please could you let me know if I can reclaim bank charges for a deceased parent? In 2007 I started to help my mother to reclaim her bank chargers. Unfortunately she passed away in 2008. Hence, I was wondering if I could make a claim on behalf of her estate and how I could proceed. Your help and advice would be very much…
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Halifax Bank Charges
Hi All, This is my first post and just wanted some advice. I had a Halifax Bank Account and due to financial difficulties it went O/D. I ended up in a cycle of £300 per month charges and over a period of around 6 years this led to approx £7K of total charges. Whilst struggling financially Halifax continued to snowball my…
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Halifax Ultimate Reward Account
Hi All, Over the past 12 years I have been struggling with debt and was way in over my head, nearly £15000 worth of loans, credit cards etc. The past 5 years I have paid off over £13000 of this. Around 5-6 years ago I was in a very tricky situation with my Halifax bank account. I was stuck in a cycle of charges, sometimes…
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PPi credit cards reclaim
Hi when I was around 19-20, 15 years ago my bank said I qualify for a credit card, the sales man did a lot of talking I noded alot but did not have a clue what he was talking about. They signed me up for two credit cards I thought whaheyyy free money, not haveing a clue what the implications were of haveing credit. I had…
