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Reclaim bank & credit card charges

Archives for November 2017

Morgage PPI
Hi, I was considering claiming on a morgage PPI I believe I was mis-sold but MSE seems to only mention bank accounts, loans etc but not morgages. Are morgage PPIs considered different to other PPIs? Is there advice somewhere else on this that I have missed! :/ Thanks!
Lloyd’s PPI Online Check Form
Hi Can anyone tell me; I completed an online form on Lloyd’s website which was to simply check if I had PPI. This was a seperate form from their online complaint form. I have since received a text message from Lloyd’s thanking me for my complaint. I have today received a complaint questionnaire in the post. Is this because…
Banks rejecting claim using Data Protection act
I have recently had replies from GE Money, Lloyds and HSBC. All are rejecting my claims saying that the account cannot be found as it was over 6 years ago they will have "securely" destroyed their records and I will have to provide original agreement paperwork. This is not possible as I do not have the original paperwork,…
Bank claiming account details not found
Hi, I'm trying to help my mum look into mis-sold PPI with a several companies. With one bank they held a joint personal account, joint business account, loan and credit cards for over 30 years. The accounts were only closed when my father passed away, 4 years ago and unfortunately mum has got rid of all paperwork. We sent…
Joint claim ppi....
Good afternoon, was looking for some advice please.? Ex husband and I took a joint credit card with misold ppi, he claimed and received £1400.00 from company and advised me to do the same, which I did. Had an offer this morning for £160.00 less tax, question is should it be 50/50? Or am I missing something here? Any advice…
PPI claim
Hi i'm just new here but would like to ask a question i had a mortgage with Alliance & Leicester round about the 90's with my ex, after divorcing him i was awarded the house in settlement, would i be able to claim ppi without him being involved and how would it go with A&L now not trading, also i have absolutely no paper…
Reclaiming Old Bank Charges
I had a current account with the Halifax starting from September 2005 until June 2016. During the time of the account being active I did incurr some banks charges, for being only a few pence overdrawn. During this time period, I was under the old sickness benefit of Incapacity Benefit. Under the Social Security…
Nationwide WIN - PPI claim
I have won - the grand sum of £88.45 in an unexpected offer from Nationwide, that had been rejected in a claim approx 8-10 years ago They wrote to be last month, totally out of the blue - offering to look again at my claim for "non-disclosure of comission" paid on a now long distant PPI Policy !! Now what can I spend my…
Limited information on Loan
I recently had a success with a Lloyds Loan PPI reclaim. despite sending me a massive form - which I left - I then got a call, I explained when I had a loan my employment was unsuitable to claim PPI, and got a payout. Surprisingly simple, and never had to fill in the questionnaire. So this success got me to investigate…
Estate agent fees
If banks sold PPI illegally what about estate agents. My estate agent for my last house was % of the sale of my house. Without agreeing I was told they could not sell my house. So they got over £3,000 when my house sold. I did all the running round took photos etc. When I asked my solicitor was there any other way of…
New to this - Natwest / RBS Help please
Hi, new to here and looking for some advise. I used Resolver to contact my bank re PPI, 8 days later i get a letter stating they have checked my accounts and none have PPI apart from my CC. I thought I may have had it on my current account as I spent a lot of my time at uni and some time after in my overdraft. Anyway, its…
Post PPI Payout Query
Morning all, Just wondering if anyone had heard of this before...recently claimed PPI using a third party company with a catchy advert... (I know I should have done it myself, but I'm lazy) So I get a cheque off barclaycard for 2.5k.result! (PPI Not mis-sold, however incorrect fees were applied) I called said third party…
PPI reclaim on Full & Final Settlement Accounts
Hi All Years ago my husband got into a financial whirlpool with credit cards and loans. We sorted in out in the end and reached first a payment scheme agreement with creditors and then when he was made redundant we offered a full and final settlement figure to the creditors which was accepted. My question is. On the cards…
NatWest Advantage Gold account
Hi, I am new to this forum so here goes. I was a NatWest Employee for a short period and had to get one of their accounts to have my wages paid into it, that was 5 years ago. I still have the NatWest account but barely use it but I am being charged about £17 a month for all the 'benefits' of having this account. I know…
Help! PPI calculation wrong I think!
Hi, I have just had a letter from RBS for my NatWest Creditcard. I recently claimed for Plevin commission. However I think the statutory interest is wrong: the calculation is.. Refund of commission over 50% charged on your premiums paid between 06 Nov 1993 to 06 Jul 2006 £892.21 Refund of erroneous over limit fees paid…
Churchill Sloan
Hi, Churchill Sloan are charging 30 percent to get your fees back! I was told by the Lloyds team dealing with this that the legislation on their claim form, is not worth the paper it's written on. Can you confirm this please? Regards, Darren
Overdraft charges
Hi I need a bit of guidance please. I've been reading all the information regarding reclaiming unfair bank charges etc. I'm interested in doing so but I'm not sure if I should. Basically I need to know before I write to the bank if have a case for a claim. My situation is this.. I opened my current bank account as an…
Is a claim possible?
I know I had PPI on my Barclaycard, an Egg card, an IF loan and probably on a couple of catalogues. However, it was in the 90’s and I have no paperwork at all. Is there any point in trying to claim or will the companies just claim they have no records?
Vanquis interest charges reclaim
Hello there I’m looking for some advice please re reclaiming from vanquis for interest charges, cash interest, purchase interest. I wrote to them regarding the repayment option plan which they’ve said I was never on and and they’ve sent a list of my transactions. Approx £450 worth of transactions are listed but undisclosed…
Help reclaiming bank charges.
Hello, I'm not great with these sort of things. I've been reading all the information regarding reclaiming unfair bank charges etc. I'm interested in doing so as I have been in financial hardship for quite a long time now. With the effect of my banks new/updated OD charges since 2nd Nov, 2017, this is going to make my…

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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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