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Is this right - Must have top account for overdraft?
Hi all, My parents have a Lloyds Platinum account. They were told they had to have that account in order to get the overdraft they wanted / needed. I'm not sure, is this right? I see no reason why they couldn't of had the lower account. Regards, Mark
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As a widow can I reclaim on behalf of my late husband?
Hi there, I was sadly widowed just over 2 years ago and I wondered if I could reclaim PPI or charges as my husbands sole beneficiary. Not sure if he had PPI but he definitely had charges levied against him even when he was seriously ill. Money is very tight and I am looking for any light at the end of the tunnel. Thanks.
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success, but still advice needed
Quick question: I have had a letter from the FO advising that Barclays have agreed my banks account was missold, and a settlement figure. But - the figure only covers the fees, not the PPI on the overdraft. Should I press for this too? And what about the exorbitant fees fees when I've gone over my overdraft limit? £22 for…
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Reclaiming store cards!
Hi I'm new to this site.. Been reading through the forums and can't find the answer to my question which is... Does anyone know if I can reclaim charges on a store card? The account was with GE Capital, I opened it in April 2004 and settled the account around about 2007-8, completely forgot about it until I requested a…
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Reclaiming from American Express
I've had an Amex card for years & want to see if I can reclaim PPI or CCP. I can't find any clear instructions on how to do this. I can't see any PPI/CCP payment details on my statements. How do I best go about it? I'm doing my NatWest one & that seems quite straightforward & they have been very informative/co-operative.…
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free £25 from halifax
after the sunday card problem I rang them telling them it left me in the co-op looking like a pleb , they said they was willing to give upto £25 compensation, so I took it , free money :D
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Natwest advantage gold
Hi all, I saw a link about claiming back fees on paid bank accounts, so just wondered if i could get a couple of opinions on if you think i am eligible. I ended up taking out an advantage gold account, purely because i was told it was the only way i would get a debit card. It was a few years ago, and up to this point, i…
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claiming from last years statments
hi. ive only recently heard of this. but thought i may give it a shot. Last years whilst living on only benefits i was hit pretty hard with overdraft fees at £25 per time, took its toll. I'm not in a bad position now due to increase in child tax as my son is recieving DLA, even though i still have quite a lot of debts to…
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Bank Charges when on Benefit - HELP PLEASE!!
Hi, Apologies if this is posted already. I have stumbled upon the following.... is it legit does anyone know please? 'There is an Act of Parliament which over-rides banks taking charges from your account if you are in receipt of any of the following benefits. • Income Support • Tax Credits • Child Benefit • Job seekers…
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Advice,support required please (age 83)
Hi , i am a Financial Adviser but i need the above please. I have a friend who is a 83 year old partially sighted widow who is getting hideous stick from Barclays. She has no immediate family and just a few friends. She has one account which over the last year has built up a overdrawn amount of £1,000 of which £750 is made…
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Bank Charges Declined Refund!!
Hi there, I have recently sent my bank a list of all charges from upto 6 years ago and have just received a phone call from somebody from the customer services dept saying they are refusing to refund any of my bank charges as they were all stated in the T's & C's!! Is this true ? Can they still decline giving refunds as…
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PPI or Bank charges
I am unsure if I have been charged by the bank. In 2003 I was asked to visit my local branch of the Halifax. Because I inherited an amount of money I was told to place it in a PIP, (personal investment plan) to which I agreed. I have seen many successful claims by people regarding PPI but unsure if I was charged on my…
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Bank charges
I wrote to bank of Scotland yesterday and had a phone call from them just now to say that they only go back to 2009 and they have deemed the charges fair and will pop £40 into my account as a gesture of goodwill. Just going back 6 years there is over £1500 of charges which have resulted in a circle of charges and hardship…
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Natwest Gold account charges
HiWhen I opened my Natwest Gold account over 3 years I was of the understanding I had to pay the £12.95/month and would get preferential treatment and rates for loans, overdraft etc and also that my phone would be insured. I wasn't told I had to register my phone beforehand and it was stolen from Gatwick airport! Am I able…
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Santader offer 1 month of fee back
Hey guys , I hope this is the right thread. First of all wohoo santader sent a letter saying they will give us £25 for december and Wave any O/F up to the 18th/1/014 I orognaly asked for "£3,867 over the 4 years. We have been traped in a a over draft cycle for the past 3 years and since sept13 i have been unemployed. I…
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hi
i have a question i was with other banks before santandare.i have bets using betfair if i have ten pound in my account which is my money ill use it and have a bet and if i dont have any money left in my bank the santandare they charge me 25.00 bank charges this has been going on for 6 years is this right what they have…
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Santander Charges
Hi, just wondered if anyone had any advice regarding Santander bank charges. In November I gave a cheque out which wasn't cashed straight away. I made 2 payments on my debit card as the cheque hadn't been debited. I checked my bank 2 days later to discover the cheque had come out the day after I made the two payments,…
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Cardguard
Hi all While cleaning I have found one very old HSBC credit card statement dated January 2000. On the statement there is a debit of £10 and in the description it states Cardguard regular payment. I have no idea how long I had the card or how long I would have made those payments. Is this something I can claim back? I bank…
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Is this illegal? Can she claim?
About five years ago, my son's girlfriend had a student bank account and overdraft with Natwest. She then opened another of the same with Lloyds. She has since been told (by yet another bank) that this was illegal and that Lloyds should not have let her have one. She got in a terrible mess with bank charges on this account…
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Natwest Help
Last year (April 2013) I got a overdraft of £100 on my current account. Used the £100 (this is going to sound daft) forgot all about the account and left it at £100 overdrawn, then the other week as I'm currently trying to repay off a few bill and get away from my Basic account I came across this Current account currently…
