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claiming bank charges
I am currently getting my life straight at the moment, have gone on a DMP and generally sorting things out. I have sent off a letter re ppi to cap one ( account closed last year) and am now looking at reclaiming charges etc from credit cards etc. I just have a few questions though, so bear with me if they have been asked…
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compensation for money taken out of account
Hello, I recently opened an ISA via the banks online site. Had a few problems but in the end funded it via debit card. Anyway the bank then took a further 5760 from my account. Obviously an error which when phoning them was my fault!! Long story but they have now after one week returned the money. After my complaining via…
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Advice needed on sorting family debts not mine
Hi all, I need advice any I can get. My mum is currently in prison, the result of getting herself into a ton of debt and 'borrowing' what she could not pay back. I have been trying my hardest to sort her debts out, which I have done with help of the family to get debtors of our backs, the biggest issue I currently have is…
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anyone with experience of santander credit card fraud?
Last week I was called by santander as my zero credit card was in arrears, unfortunately someone seems to have gained access to my card and run up a 3800 quid spend. One transaction was with Western union but the other three were between a couple of online gambling sites. The investigation seemed to be going well and I was…
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Bank Charges
Hi, I was overdrawn with Nat West for £48 which they added daily fees too. I buried my head in the sand and hoped it would go away. I know have a debt against my name for £461 which is £48 overdrawn and the rest is fees. This was probably in their terms but seems unfair. Can I do anything? Any advice would be helpful.…
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PPI breakdown - still confused.
Hoping someone can help. Got a letter from MBNA about PPI, filled form in, sent it off. They called for more information then a few weeks later got a letter saying final response was they owed me £58. I called and asked for a breakdown letter which arrived today. I wont lie, numbers in pretty much every form confuse the…
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Opinion needed
Hi, I am currently putting together a bank charges refund request on behalf of a relative. They have received statements dating back to 2007(6years). Over this course they have had over £3000 in fees. This is made up of; unarranged overdraft fee (ranging from £24 to £168!!) , referral charges (ranging from £30 to £105),…
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PPI and year 2000
I had several credit cards and a couple of loans between about 1996 to 2003 at which time I went bankrupt, not related to those debts but they were wriiten off, the bankruptcy has now ended. Firstly can I claim PPI that far back and would the bankruptcy negate it Thanks
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gold bank account
I have a bank account with lloyds tsb gold account, before that it was something else, and before that select account for over 15 years. I thought these were the norm, everybody had one. Told many yeas ago, it would help gurantee our overdrafts, which believe me we have used. Also used the phone insursnce, refused us when…
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Trying to track down an old egg card account details
Hi there, I'm having great difficulty tracking down any details of an egg credit card that I had from July 2007 - July 2008. I have lost my card. I rang barclaycard and they have no records of my account as my loan was paid before they took over egg card. My bank can tell me when and how much my payments were when I was…
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Strange action by Cahoot
I recently moved house with all the confusuin this causes and inadvertantly went into the red. My fault,but had no internet access for 4 weeks aftr we moved. Cahoot charged fees of £75, and stated it would be taken out in 22 days time which was the 22nd August. my pension was not paid until the 23rd August. So what did…
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Confirmed blank charges refund - what next?
:beer: Firstly, I put a thread on here about the dis-heartening nature of most of the responses you read. I'm going to buck the trend and report a success! :T I claimed back bank charges from 2011 (way out side the six month window) citing financial difficulty. Yesterday I had a phone call from the Halifax saying they are…
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Santander transfered my cash ISA without my permission
I held a cash ISA with Santander until recently, when they transferred it to another investment company with whom I have some savings. My financial advisor sent a form to Santander asking them to transfer my Stocks and Shares ISA. Instead they transferred my cash ISA. It is their mistake and it has cost me money; firstly…
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credit card charges/interest rates
I'm new to this site and have a question. I've recently tried to reclaim late payment charges from MBNA and been told that they feel their charges were fair. However they upped my interest rate from 12% to 27.95% and the reason they gave was because of late payments so I've been penalised twice for the same thing. Can they…
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New Natwest arranged overdraft fee
I opened my current account as a student account in 2001 with a fee and interest free £2,000 overdraft limit. Since graduating the account reverted from a student account to a current account with no monthly fees and the overdraft remained with just interest to pay. Over the years Natwest have tried to get me to surrender…
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Claiming Back Halifax Unplanned O/D Fee's
Hi I am trying to claim back Unplanned O/D Fee's from the Halifax. I have read through the online instructions and seem to be eligible under the hardship reason. What I need to know is can I claim back the whole charge or if I went £5 over my planned overdraft and got charged £50 can I claim back the £50 or just the £45…
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In need of help:
Hi guys. I'm posting on behalf of my mum who after 16 years with HSBC has now moved over to Lloyds. The reason is because she was getting hammered with bank charges, about £10 a day. She just recently became unemployed after working most of her life as a care worker for the elderly. The thing about my mum is, she's bad…
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Unarranged Overdrafts and Charges
Hi all, I need some help, I'm trying to help my 18 year old son to manage his finances he takes little or no responsibility at the moment and I can see he is going down a path of credit and debt. Anyway i'm sitting here quite perplexed at the minute as his bank has allowed him to go overdrawn and then whacked the £25…
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Llyods Bank Charges reclaim on Premier/Gold account since 2004!
Hi Moneysavers, Here is a brief breakdown of the story: 1999 - opened fee free account with lloyds Mid 2004 - opted for the gold account £10/month (allegedly) Mid 2006 - started paying the gold account fees as it was fee free until then. 2007 - upgraded to platinum (from gold) for a few months on promotional £10/month and…
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Fobbed off by Financial Ombudsman due to 6-month time limit
Has anyone else been informed by the Financial Ombudsman they can’t help you due to missing the six-month time limit after receiving a response from the bank? I filed a complaint to MBNA about PPI charges on my credit card last year. Their final response on 21st June 2012 was that I knew what I was signing up for because I…