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Hire-Purchase Charges?
Hello to all... I have recently been looking over my past loan agreements ensuring that I have not been unfairly charged for something I didn't realise. I came across an agreement I had back in 2005 which was a finance agreement (HP) for a car. Within this agreement, there details a charge titled 'Hire-Purchase Charges'.…
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What to do next
I have sent a request for a copy of policy, terms and conditions using the template letter. But have had no reply sent 12/10/12. Can any one tell me what to do next. I enclosed my £1 cheque, and as the letter says please reply within 12 days i thought i might of had a reply. Thanks in advance for any advice. Chris
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Can I claim from Halifax ?
After completing my degree I owned about £900 on an student overdraft which was in 2007. The years interest free revoked around 2008. I had difficulty paying it and it just span out of control with charges finally taking the amount which I still owe to £1325. This now is passed onto a collection agency which are arranging…
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8% simple interest question
hi I wonder if anyone can help me ? Today I recieved a PPI refund offer from Barclaycard for around about £8300. Included in this offer is a sum of £141 which is accredited to my 8% simple interest per annum. This amount seems very small as the policy has been running for 12 years! Can anybody tell me if this is correct or…
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DGS/rpp/dd help
Hi there could you please advice,i have been making a payment since 2002 to a company called domestic & general thought it was to do with my mortgage as it came out the same day for the past 10 years thought it was a life insurance that i set up but it has nothing to do with it. shows up on my bank statement as DGS/RPP/DD…
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Capital One One Charge Refunded
I currently have a Credit Card with Capital One which I have had since May 2009 For the first time middle of September I received a overlimit fee and also one at the end of October. 12 pounds each totalling 24 I sent them a message via the internet asking if they could refund the two overlimit fees. They have refunded one…
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Reverse Situation
I've just switched bank accounts and managed to close my old account before paying outstanding charges :T So the question is, given that AFAIK the unfair charges issue is on hold rather than resolved, can I ignore an attempt from the bank to enforce these charges and insist that the bank proves they are fair?
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northern rock
hi anyone know where i will write to for putting a claim in for ppi on a loan i had with northern rock years ago????
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MBNA are totally screwing me!
Hi. I'm new to all this, so go easy on my apparent level of stupidity. I signed up to an MBNA credit card o% interest on balance money transfers scheme must be nigh on 4-5 years ago. Once the balance was paid off i continued to recieve statements every now and again with interest accrued on the card. Made no sense to me…
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Prior notification of impending bank charges should be essential ?
Hi everyone first post on here. I did try to find if this header topic “Prior notification of impending bank charges should be essential ?” had been brought up anywhere before but there are so many topics to look through I'm afraid I had to give up. So my apologies in advance if it has.... Even though I've been on the…
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Alliance and Leicester Admin Fee to continue fixed rate
Hi, this is the first time I have posted so apologies if I am breaching any etiquette or rules... Around 4 years ago my fixed rate term of 2 years was coming to an end on my A&L mortgage, I phoned up for my options and decided to refix for another 3 years (awful decision considering what happened to the base rate, but…
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claiming ppi after a DRO has ended
Hi hope someone can help, I finished a DRO in Aug this year and was wondering if i can apply for miss sold ppi on the creditors that were in my dro?? Been reading on some forums that you can and then you can't, bit confused?? If i can what do i need to do? Who do i contact? thanks in advance.
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barclays bank
hi all ive had a rollercoaster of a couple of years uni, pregnancy, mat leave, husband in a out of work and now on low paid agency, was trying to pay minimum on all debtors but was really struggling so had to face truth and get myself on a dmp with ccs gutted as then defaulted on all credit files but it was a vicious…
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debit card charges
Sorry if I am posting in the wrong section My son has just brought some cinema tikets online with his debit card and was charged £1.50 card transaction. Before complaining I just wondered if they had a right to charge this amount, Thank you
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Barclays PPI are they allowed to do this??
I currently have an issues where I owe Barclays a bit for my overdraft, as I'm currently benign assisted by the CCCS to sort my finances. I've contacted Barclays to claim PPI and they offered just over £1,200.00, but have said that they will keep £1,000.00 towards my overdraft. Are they allowed to do this? Due to my CCCs…
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3 PPI Claims = ALL REFUSED
Hi there, I am new to this forum and thought I would join as I am in dispair at the moment.:( I put in 3 PPI claims for 3 different accounts and all have been refused. I just get that generated letter that they do not see any reason that PPI was mis sold to me :eek: in the first place. Do I just take this lying down or do…
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unbelievable bank charges
Surely banks can't do this, 150 quid worth of charges for 3 transactions at Tesco, when I had enough funds available, Tesco keep it for 2 days, then take it 2 days later and not enough in account due to payments the day before etc. Wham! Overdrawn!.... not having this! Same thing happened last month, paid 135 quid. Cant…
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Bank Charges
:( Hi Can anyone tell me if I can still reclaim my bank charges???? Only I'm not sure if I can. They are causing me hardship so I feel I should be able too. But I really don't know if I have missed that boat or not.
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Endwoment Policy Charges
Hello, I was sold an endowment policy connected with my mortage back in 1991 for my first house. I took out this product with Nationwide. The House purchase price was $49,000 (pounds), and I think I invested around $4000 to set up the endowment policy. However when I came to sell the house in 1995, the endowment policy had…
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Lloyds TSB
Good evening everyone. I'm wondering how far back people have been successful reclaiming their bank charges back from Lloyds. My Lloyds account was closed about 12 years ago but I paid lots of charges before closing the account. Could I reclaim? Has anybody been successful with this timescale?
