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Reclaim bank & credit card charges

Archives for March 2015

Natwest Silver Account
Hello all, before i start my punctuation and typying skills are not up to any good standard please do not hold that against me). i went to my Natwest branch on friday just gone, i asked them to close my savings account down and my current account as i do not need there product anymore and that i think i was missold the…
Help - bank charges past 6 years!!!??
Hey all- do you know if I can get back any charges from after 6 years? I was put off in 2009 when they ruled out bank charge reclaiming and just applied and they said no as no charges have been added in 6 years but there is at least 2.5k of charges and interest in that account which is with a debt management agent and I am…
Lloyds still piling on overdraft charges even though I’m in a debt management plan
Recently I tried to reclaim overdraft and interest charges from Lloyds on the grounds of financial difficulty, which they refused, even though I have been in a debt management plan with Step Change since 2011. I have been paying £5 a month towards the overdraft, but their fees amount to £12 a month, so the overdraft has…
Possible PPI claim from 15 years ago
Hi, I had a credit card with Barclaycard going on 15 years now and I'm sure they had charged me the PPI. When I contacted them I was told they have no record of me having an account with them but I know I did. Unfortunately all previous statements I had for that card have since been destroyed through moving house. Is there…
TSB Refund
Hi i got a letter from tsb on the 13th March dated the 11th March saying that i will be receiving a refund of £571.91 for bank charges :j the wording as to how i would be paid is very vague it says we will send you a cheque for the amount of £571.91. Please allow 10 days for this to show in your account Now im confused as…
Unaware of PPI on Capital One CC
My husband applied for CapOne Credit card in Jan 2007 over the phone. He was not aware of PPI being added until he called a month ago to ask. He requested details of the PPI payments but after a few chase calls he eventually recieved a PPI Complaint questionnaire asking when he was sold/how he was sold etc. However this is…
Bundled Credit Card features
I had what became a Barclaycard I24 account which had a large annual fee to include things like membership to flight lounge and travel insurance, I already had an annual travel policy can I claim back the cost of these enhancements ? thanks
Quick bank charge question
hope this is simple and quick and sorry if its been covered 1000 times but im working out my bank charges can I claim for both planned and unplanned overdraft fees ? also on the calculator on here it adds interest do I combine the fees and then work out the interest ? cheers
Tesco Credit Card Cardholder Protection Plan
On my husbands credit card statement he is charged around £40 each month for Cardholder Protection PLan. We no longer use this card but are paying it off. The CPP is a substantial amount each month and I wondered if there is anyway my husband can cancel it as we have never used it. Any help appreciated.
monthly bank charges
Hi all, ive been with my bank for around 15 years and 'upgraded' to a pay monthly account around 5 years ago. I did this as a result of going to the bank for a loan and they rejected me and said a pay monthly account would help my credit score. They also said it was the only way i could get a visa/debit card aswell. If i…
Expected more than I've been offered
Hi I have just received a letter from Barclays who are dealing with my old Egg card claim. They have only offered me £64.41 should I accept it? They say I only paid £36 but I dont know if this is true. Should I take it or challenge it? Thanks in advance
Tsb bank charges and overdraft HELLPPP
Hello, I hope someone can help. I have got into a viscous circle with my overdraft. I am paying around 50-80£ in charges for my silver account and over draft/intrest fees per month. I kept going over drawn so I ended up keep extending my over draft which tsb kept allowing and is now £2800 It is the only thing I struggle to…
Lloyds overdraft excess charges
I had an overdraft with Lloyds TSB which I am still paying back and the balance is now £3277 (the account has been closed for some time). The original amount was over £4000 which included around £1800 of bank charges. The charges were mainly my fault through failed payment arrangements whereby the limit would decrease each…
Natwest Advantage Gold Claim rejected
I rang Natwest complaints last Friday regarding misselling on this account. We had the account since 2002. Originally sold as only privileged customers could get it. I was aware of the free travel insurance and mobile phone insurance most. During that time my daughter lost her phone, tried to claim but was told I needed to…
Natwest Credit & Current Account Charges Claim
I've been trying to claim back credit card overlimit fees and other penalty charges, as well as current account penalty charges. I spoke to the bank on the phone and wrote letters at various occasions, not using templates. They refunded 180 pounds on one of my credit cards but none on the other credit cards and current…
Bank charges reclaim and hardship
I have been involved with a dmp for six years now, and have been repaying money each month to six seperate creditors. Following an annual review I checked all statements and found that on four of the creditors I have repaid far more than the original debt. Yet despite this I am still repaying what is interest and charges.…
Do Hardship Rules Apply To Me?
I was a single parent employed P/T up to the end of 2007, then had loads of hassle with HB and ended up with rent arrears, leading to me being evicted (my daughter turned 18 and moved out a couple of months earlier, so she was ok thankfully). I had gotten quite a few bank charges during this time as well (over roughly 18…
PPI refund based on zero balance
Hi - I have just received a letter from halifax with an offer for my PPI claim - the offer however is for only £88 as the breakdown States it is based on a balance of zero on 31/5/1996. I used this card a lot and took out a loan at the time to repay this and an overdraft so how can they base my claim on a zero amount on…
can i claim ppi from welcome finance
Hi new on here i had a car and personel loan from welcome finance over 10 years ago have not got any papper work or nothing is there any way i can make a claim for ppi or check to see if i paid any ppi. unsure if wasting my time.If i can claim any idea how i would go about this any help is great. please excuse spelling and…
bank charges
Thank you Martin! I followed all your advice and used your templates to reclaim bank charges from Barclays.......£4,100 returned without fuss! Thank you SO much. I urge others to follow suit.

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Reclaim bank & credit card charges

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