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Reclaim bank & credit card charges

Archives for December 2012

Obtaining old credit card statements without it costing £24/per year?
With a view to reclaiming over limit charges I recently emailed barclycard and asked for a breakdown of all the over limit charges since the cards inception, around 10 years ago. Here's the response: "We are only able to view your recent transactions and the past five months statements in our records. If you have not kept…
Interest claim
I have been thinking of applying for an electricians course which I was going to pay monthly by credit card, However I have noticed a couple of these firms offering training have recently gone out of business. If I was to being half way through the course and they folded could I get my course costs back from the credit…
paypal. taking money without my consent.
at the beginning of august i sold a festival ticket on ebay. the buyer paid with paypal. he recieved the ticket , went to the festival and left me excellent feedback on ebay a few days later. in early november i got an email from paypal saying there was a problem with the transaction and that they have taken £152 from my…
Bank of Ireland credit cards and PPI
I’ve even only been a customer with the Bank of Ireland (UK) BOI and because of a serious health problems have never really been in long term permanent employment. Anyway I have two credit cards: Visa and Mastercard, each with the BOI, and I use them almost exclusively to pay monthly bills e.g internet connection. If…
Capital one
I was only working 15 hours a week when cap 1 put PPI on my card. I am trying to reclaim and they have said no. On there terms and conditions it just says working for longer then 6 months not hours per week. Should I keep on or let it go Thanks
Capital One - Credit Card Charges Reclaim
Hello, I've just sent back to Capital One a claim for £500+interest on charges they levied to my account between 2003-2006. They were reasonably good at sending the information to me with details of all the charges. I've used the MSE letter to claim - has anyone else experienced receiving money and being successful in…
FOS upheld complaint but refund is ridiculous - any advice please!!
I recently had my Halifax Credit Card ppi claim upheld by the FOS after several rejections by Halifax. The FOS advised that Halifax would have to pay back all of the ppi payments plus 8% interest. My credit card and ppi date back to August 2002, and with the exception of 6 months or so the account has always been in debit…
bank charges excel template?
hi guys I'm just doing bank charges claiming but cant swwm to find an excel template? am I missing something? thanks rivig
capital one
can anyone tell me if you can claim back on an account that went into default but was paid off in full. i have been told i cant claim but unsure if this is true julie
PPI or Credit Card claim HSBC
Hi all, hope everyone has a good Christmas :) Have been following these forums for some time and thought I would write on here to see if anyone can help me. I have (as everyone else probably to) been contacted by various PPI companies etc... and after all the contact thought "may as well give it a go myself". So... I…
SAR + Multiple Accounts
Hello, So I have multiple accounts with one particular company, would I be required to submit multiple SAR requests, each with a cheque for £10, or could I simply draft the letter with the multiple account numbers, and clearly write the request in that I am requesting information for the multiple accounts and get away with…
LLoyds TSB bank Charges - Financial hardshio and debt collections
Hi, I'm a newbie so please forgive me if this has already been asked before. I had a Lloyds TSB platinum account used it well and then got into difficulty with money, I buried my head in the sand a bit and would go overdrawn, charges stacked up and I couldnt pay them, so they would increase my Overdraft to accommodate the…
RBS Bank Charge
Hi all wondered if you can help, I have just checked my RBS account online and noticed next month there is a £54 charge for being overdrawn 9 days, feel this is rather unfair as I was £6.24 overdrawn and therefore £0.24 over my limit. I have no overdraft and am very carefull with my account and if funds were not availiable…
A&L/MBNA write to or phone in?
Hi All, I've read countless topics and threads on here but would still like to ask this if I can for piece of mind: I have an active credit card account with MBNA (which was previously an A&L credit card account) and it still has the PPi cover. My A&L card was applied for in 1999 I think but I can't remember how I applied…
Help drafting reason for PPI complaint
I got a letter from my bank in Novemebr about a PPI loan taken out 4 years ago, stating that depending on my personal circumstances I may have been mis-sold the policy. The letter says they are ‘exclusions’ & ‘limitations’ which could affect my ability to make a claim. These are listed in the letter and none apply to me as…
Tsb banking quiery
Hi all,i had a payment go in to a tsb account, i did not know that has closed down (but do owe and have a payment plan in place),will that payment go back to the sender ? roughly how long ? I bank with another well known provider now,the sender did update there details.
SAR Request
Hey So I sent Barclaycard a SAR with a cheque for £10, all is well, they took the money and a fairly large letter arrived today with lots of paperwork. Can someone confirm what I should get back with a SAR, as I seem to just have a bundle of copy statements from 2008, I was expecting a lot more paperwork, such as CCA and…
Is there a law?
Hi everyone, Can you help me? It seems that just under two years ago my bank (HSBC) changed my account from a standard current account to a pay monthly account to which I pay £15 a month. I don't remember signing for this account and yet the bank has produced a document that has been signed by myself. I believe I was…
B of S bank charge
My daughter was charged £240 to close a billing account she had with Bank of Scotland .... can this be right ??? If anyone can advise I would be grateful . Thanks, Anne
santander problem
posting on behalf of my sis. banks with santander, was doing some internet shopping, decided to phone up and check balance (all purchases had gone thru no problem) santander told her she was over drawn, even tho she hasnt got an overdraft with them????? also was told that for every transaction she went overdrawn by they…

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Reclaim bank & credit card charges

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