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Nat West cut me off!!
:mad: Just opening todays post and there is a bundle of letters from my bank who I have been with for 20 years and they say they are unhappy with how I have conducted my accounts and they r terminating my overdraft facilities in 30 days and closing my accounts in 60 days unless I clear the arrears on my loan by June 5th.…
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Default Notice from Abbey
Hi All, I'm new to the forums, but i just wanted so say I'm so greatful for any advice anyone can give. I've posted this same post in the Debt Free Wannabe forum, but I've kindly been pointed in this helpful direction :) I've recently started trying to remove a default notice placed on my credit file by Abbey for a…
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Penalty Charges on mortgage - late dd etc
I have been charged £40 by Abbey on several occasions for late direct debits etc. As these would seem to be penalty charges can I reclaim them and are there any letters on the site which I can use as a template for reclaiming these? Is it the same letter as bank charges Thanks Mel
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Removal charges after move fell through
Hi, Last autumn my elderly parents were due to move from Derbys to Mid Wales to be near family for support etc. The day before they were due to travel here the chain broke down and the move was postponed, 6 weeks later the move was off. The removal firm had been booked and paid for, £1200, and were then on stand-by until…
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Parking Charge Issues
A few months ago now, I parked 2 streets from my home (as I was stopping in at a hairdressers to pick something up for my girlfriend on the way to the supermarket). I spent no more than 5-10mins in there, yet lo and behold when I returned I had received a parking charge. I parked in a clearly marked bay, and there were no…
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Claiming back stamp duty from 2001
can anyone help i have been told i should not have paid stamp duty when i bought my home in 2001, after contacting the solicitors they agreed but said there was only a 2 year claim window, is this true, and can i do anything else to get this money back as £750 is not a small amount help
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PC World PC Plan
I bought a Laptop on finance just over a year ago from PC World, when i bought it I was offered PC Plan for if anything went wrong. I declined it as i didnt think I would need it. A couple of months later I saw a payment of £9.99 a month going out but thought this was part of the finance deal. I eventually found out that…
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Reclaiming intrest payments after dab default
Hi I have recently discovered that i have had a default notice wrongly issued agaist me and an going to have it changed to an "Unfounded" status on my credit record. I have had had this notice for nearly two years in which time i have been turned down for 0% intrest credit cards which i was swithing my debs between…
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catalogue charges
has anyone had any succsess in claiming administration charges from the following; littlewoods, lx direct and additions. i have had 1 succsessful claim of £204 from studio who paid out straight away, but these 3 who are all owned by shop direct will not budge. they are firmly set on not paying out. the charges are all…
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Tax rebates
Hi, I'm not sure if i've posted this in the correct place; sorry if I haven't. I've been in contact with HMRC regarding a tax rebate and i'm being given information that contradicts itself from them. Do HMRC pay compound interest on money that is owed or not. I don't think I could face another phone call to my local office…
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help with nortern rock and cca
I currently have zero equity in my home as I purchased a £200,000 house two years ago on a interest only mortgage. In the last two years simlar houses in the street have sold for around £215,000 to £220,000 and because of this I didnt regret my decision to 'move up the ladder'. But I have no doubt that in the current…
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Can you claim account charges???
Hi Guys, Basically I've been getting charged £17 a month for my account. My account is with Lloyds TSB. Was under the impression that the charge was due to me being in my overdraft, which at time limit was £1200. Only noticed this when I was checking old bank charges because thinking of reclaiming them back. Now I've…
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Claiming back over charged interest -Employee Store card
Hi, I work for a large department store and have their credit card through their finance company. I have had the card for 7/8 years always with a balance of £1500 roughly. Ive always been charged 29% interst but recently found out employees are entitled to a rate of 9.9%. The finance company claim they attached notice of…
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Council Tax -
I have successfully applied to have my council tax rebanded to an A, using the Nationwide house price calculator (£26K in 1991!) and comparisons with other flats in the locale (my block thousands cheaper than other band A flats). IMHO the entire block should be re-banded. My neighbour has applied on the same grounds, using…
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secret commisions
has any one been contacted by the' bank charge specialists' re claiming for the following: Anyone who bought a mortgage through a broker before 2004 was subject to a secret commission paid by the lender to the broker. Because this was secret, you may be entitled to some money back. This would be 3% of the value of your…
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Leadhold Management Companies
I live in a leashold flat which I bought a few years ago - the charges made by the management company seem unreasonable. For example, they charged an admin fee of over £50 for late payment of the management fee (£400). If bank chrges have been deemed as dispropportionate and unlawful, surely this is also not right?
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Bank paid company after I'd cancelled card!
I went on holiday in Feb 09 and "attempted" to hire a scooter, I gave my CC details for insurance purposes only. The bike was delivered without them leaving me the key to it. I contacted them immediately and they accepted this, then later denied it. They took no money from me initially and had nothing in writing saying I…
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How To Stop A Legal Decision Being "Set Aside"
Hi, I have to go to court this Friday to try to stop a case being "set aside" and wondered if anyone knew how I could argue that the case should NOT be set aside. The facts are as follows I made a claim for £15k against a dodgy builder who completely bodged my extension to my house and basically the decision went my way…
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Fraudulent use of my bank account
Hi I hope this is the right forum if not plz feel free to move. My bank account has been used fraudulently to the princely sum of £185 this has been reported to the bank who cancelled my card and the case has been passed to the banks fraud team,i contacted them to find out how long this is likely to take and also about me…
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RE Claiming survey costs after being screwed by Halifax
Can someone please give me some pointers about re-claiming my survey costs from Halifax. My wife and I where dealing with Halifax for our mortguage, we identified a property, put an offer in on a house, we proceeded with the survey as advised. The advisor at the Halifax said we had to open a Halifax current account so that…