Reclaim bank & credit card charges

Archives for January 2013

Is bank interest on overdrafts included - Can I reclaim those charges?
Hi, I'm sure this has already been answered somewhere...but there are so many threads it would take hours!!! Simply put, I have not only got bank charges for returned Direct Debits etc... but I have a lot of £20 interest charges each month for simply being in my overdraft. Can these be claimed back too? I have had to take…
Can/should I claim PPI
Hi, this may sound like a silly question but here we go... 2 years ago i was lucky enough to finally clear my debts. Over the space of about 5 years i had managed to accumulate about £35k from a mixture of loans and credit cards. I cleared the majority of them thru full and final settlements and some partial settlements…
Help Urgently Needed with Money Wizard Ltd
Hiya everyone Im new to this forum, but am in dire straits. Earlier last year my wife spoke to someone on thephone about possible PPI claim, she told them the only credit card she had was a Barclaycard one which she still had. they advised her that on a no win no fee basis they could try and reclaim any mis sold PPi on the…
Reclaiming Bank Charges if I'm no longer in Financial Difficulty
Hi, I wonder if someone could give me some advice very quickly. I've been charged a fortune over the years in Bank Charges, most notably when I was a student. I now have a job, and am no longer in what I would class as financial difficulty, although I'm by no means rolling in it! There seems to be a lot on here about…
Can i get anyone else to act on my behalf when claiming bank charges?
Hi, Over the last 5-6 years, i have struggled financially and during various periods been subject to bank charges and catapulted into the monthly cycle of bank charges making me even more broke the next month...so i get more charges again...and so the cycle continues... This year, i have vowed to get my finances in order…
MBNA reclaiming for charges and
I had a card with MBNA and I have got a copy of all my statements and information - has anyone been sucessful with them at all please? I had PPI on it and indeed charges from 2008 to 2011.
yorkshire bank charges and lack of help
i would like some advice on a complaint that i have made to yorkshire bank with regards bank charges and lack of help at a time of finanthcial hardship. I called yorkshire bank on sunday 27th january 2013 after being in touch with debt management company and CAB, i lost my job whilst pregnant in dec 2010 (jobcentre plus)…
On disabilty, trying to reclaim bank charges
Advice needed please. A relative of mine who is on disability benefit, has had £100's, possibly £1000's in bank charges for going over her agreed overdraft and for payments bouncing at the bank over a number of years etc. We wrote a letter to the bank using one of martins money tips template - the hardship one - about 2/3…
Overdraft fees &
Hi all I was writing to enquire about somebank charges. I have had a classic account with Lloyds for about 17 years, and in the last few years I had quite an overdraft on the account (£1300) . On 31 December 2012 I logged into my account to transfer money into this account to cover the overdraft as normal, only to see that…
Reclaiming Charges from Barclaycard
I was going through some old paperwork and letters from Barclaycard. I had a dispute with them over claiming charges back on my credit cards I had with them. The letter was dated in 2007. However, I remember them offering me a settlement of around £575, but they never paid it to me. I moved shortly after this offer, so it…
Reclaiming confusion - Which charges are we allowed to claim for?
(Newbie alert! Finally attempting to confront my money woes head-on and this site has been an absolute INSPIRATION. Thank you so much.) Apologies if I have missed this information somewhere else on the site, but am uncertain as to exactly which charges we can reclaim and for how far back. A few weeks ago I sent a letter to…
completing form..some advice please, never done before
Hi all, I have just been looking at the template and have a no. of questions and would love to have some help please *wondered if this is the best one to go with? *At the bottom of it it says 'include a list of charges' ...do I write them all down along with the interest or send in the huge bundle of statements the bank…
help please! PPI held against credit card charges
Help! I have recently been awarded some PPI from a loan I had many years ago. This was a nice suprise as I didnt even know I had PPI in the first place! Unfortunately, not long after repaying my loan, my bank offered me a credit card, which I did use. Not being very financially aware, I only made minimum repayments & my…
Advice please !!!!
Back when the claiming of bank charges started, I used all the templates got rejected, used other forms and my details etc went to the Southampton Court, which was all dated and stamped. From there after it all came to a stand still I have not done anything about this, it has now been 6 years and still no money back as it…
Refund?
Hi I have just received a refund for 9000 from Barclays, however, this was from the initial offer in September 2011. I never received this letter unti Novem ber 2012. They say that I also need a further 14 months payments from 2003 but they are waiting for statements for the archives before they pay this extra payments…
letter from MBNA
Hi Today I have received a letter from MBNA with whom I have a few credit cards, The letter states that "I have been identified as a customer who belongs to a group of customers who may have been mis-sold PPI" There is a form to complete in relation to a specific card/account. My question is that, recently I began the…
Should I reclaim dilemma
Hi all I am 6 years into a DMP with Cccs and have approx 46k to pay off with payments of 550 pm which is budgetable and I have no intentions of not paying it off but my dilemma is I have paid loads of bank charges as well as had loans which got me in the trouble in the first place and I am attracted to the Ppi reclaims…
Reclaiming from Santander - second letter help please
Hi Guys, So, I wrote the standard letter (from the template) to try and reclaim charges from a now closed account with Santander. The charges date from 2009 - 2012. In total they came to £390.00. I used the hardship arguments and explained how the charges had effected me (the cycle of charges etc). I have received a…
I've been refused a refund after a DD payment wasn't even attempted
I've got an account with Very.co.uk which has a direct debit setup with their 'Take 3' option (this splits your balance across 3 monthly payments). In December they didn't even attempt to take my direct debit payment and a few days after it was due I received a notification of a default charge (£12). I contacted them to…
Halifax current account switch - £100 for switching?...staff dont have a clue...
Hi all, I may have added this in the wrong section as its not a credit card... Well as you all are probably aware that Halifax are giving away £100 if you switch your existing current account to them. T & C include: - minimum of 2 Active direct debits and any income (wage, or benefit etc..) I phoned them up to find out…

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Reclaim bank & credit card charges

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