-
Report Bank Charges successes and failures
Please report your Bank Charges Reclaiming Successes/failures since the Supreme Court decision in Nov 2009 here REMEMEBER BY DOING THIS YOU ENCOURAGE OTHERS WHO MAY BE TOO SCARED TO RECLAIM How to report your success/failure: 1. Click reply to enter you story. 2. Report your story in the following format: * Bank name: *…
-
Reclaim Bank & Credit Card Charges sticky
💳 Here are some Forum threads you might find useful: * Credit Card Reclaiming Success Stories * Report Bank Charges successes and failures * Bank Charges Reclaiming Guide discussion * Credit Card Reclaiming Discussion 💷 And here's some relevant content from MoneySavingExpert.com: * Reclaim bank charges * Reclaim packaged…
-
Smart pig - Student pay day loan
Good evening everyone, I hope everyone has had a beautiful day. Back in 2019, when I was a student, Smart Pig allowed me to take out a loan with them. I am pretty certain they didn't do any checks on if i could afford to take it back, as I had no job and was massively in my overdraft, but they allowed me to anyway. I am…
-
Drafty Loan - Unaffordable lending complaint - Pay day loan
So i submitted a complaint to FOS in relation to a credit line facility I had with Drafty Loans. they give you a credit limit to which you can withdraw upto at any given time. My complaint with the FOS was upheld and they issued the following to drafty to rectify this: A) Remove all interest, fees and charges from the…
-
Refund on Interest following incorrect Loan Start date on annual statement
Hi, I received a letter from my bank for a loan I have with them stating they had reviewed my account and noted an incorrect loan start date on my annual statement. As a result, under the consumer credit act they weren’t entitled to charge interest from the time they sent the first annual statement to the time the error…
-
Fraudulent Octopus Energy Charge
I recently discovered an unauthorized charge of £1,060 on my American Express (AMEX) credit card from Octopus Energy. I'm a customer of Octopus for both gas and electric, but I pay through direct debit and don't have my AMEX linked to my account. After contacting Octopus to report the charge, they stated there was no such…
-
Overdraft fees with only postal notifications
Hi, I'm looking for advice on whether I can make a complaint to my bank and request interest fees removed (refunded?) on the basis of not receiving any email or text notifications about overdraft fees. I literally did not know for 5 years I was in my overdraft on an account I stopped using. Specifically I know that around…
-
Unauthorised payments
In the month of december 2023 I found 6 payments on my bank statement that I knew nothing about. I had not authorised them or even recognised their names. I reported them to my bank and hoped I would be reimbursed, it came to over £100. I am a pensioner with only my state pension to live on, so £100 is a lot for me to…
-
Reversing a bank transfer
I have transferred from my Barclays bank account to my Revolut account, by doing a card payment. I need to pay a large sum in Euros. The aim was to transfer from Barclays to Revolut in pounds, then get a fee-free currency exchange at good market exchange rate with Revolut. Unfortunately I did the transfer in Euro meaning…
-
Capquest ??
Hi all. HELP! I am new to this site and hoping for answer and advice. My husband has received a letter from Capquest in relation to 1/6/2023 connected to a Shop Direct(Carval). We have no idea what this is and the sum attached in the letter of £1063.20 Any advice or guidance would be appreciated.
-
Advice / thoughts / help
Ok so I only found out about affordability claims this year. I think I’ve had unaffordable lending for years which has kept me in a cycle of debt I know I am partly to blame and have made some poor choices but now I’ve looked into this I can see some lending was totally wrong and should never have been given to me. At one…
-
Santander mortgage refund for overpayment charge.
Hello everyone, We received this letter in the post yesterday, (even though the letter was dated 2nd May) looks like we paid an early repayment charge when remortgaging, from and to a Santander mortgage. Could anyone let me know if they think this is fair? It’s the first I’ve heard of this, being able to ‘ask for a refund’…
-
Boots rejecting a return
I purchased a Dyson airstrait on 25th December 2024 for £379.99 from boots, it was delivered to me on 31st December, by the 14th December the product broke. I contacted both Dyson and Boots as it was under warranty and was offered a repair by Dyson, or a replacement by boots. I opted to return to boots as a replacement…
-
Duplicate Payment Amex
I recently paid for a service with an Amex via chip & pin. This was two separate transactions of around £3000 and £250. When i got home i realized there was an additional duplicate pending payment for each of the transactions. I waited until this transaction was approved before contacting the merchant. They said there was…
-
BARCLAYS FEES
Hi there, I wonder if you can help me please. Barclays have been charging me additional fees for years for a TECH Pack and a Holiday Insurance. I've never used either of them and to be hones I never paid much atttention to it until I just received a statement of my Annual Fees which are £342 for the year for something I've…
-
Remove or keep overdraft
Hi, I have consistently been in my overdraft for many years now but am not being charged interest as I’m on a very low income at the moment. I have 2 overdrafts dating back about 10 years, the first is £900 and second is £300. I’m due to inherit a bit of money and wanted to sort out my financial position. Once the…
-
International fees warning
Is everyone aware that banks can pass an international transfer through any other bank in order to get it to your UK account? That means you end up paying the other bank's fees rather than the fees stated by your own bank. We had a payment that would have incurred a £2 fee at BoS that passed via Barclays who took £10. If…
-
Mortage charges from years ago
Or mortage was £170,000 we got into financial troubles and my husband had to go bankrupt. We were lucky and got to keep a roof over our head at the time, to be fair to the bank, there was months we just could not pay the mortgage. This happened on and off over a couple of years. Thankfully out mortgage was more than what…
-
Lloyds bank overdraft interest
In 2020-2022 the following happened: * I was outside the UK * I have a Lloyds current account, which was in credit * It was not my main account, but at the time was funding a small monthly credit card bill * Sometime during this time my phone was cut off by Three, due to being outside the UK too long, which meant I was…
-
Charges
I am looking for some help , I have lived in my overdraft since probably 2009 , have always had bank charges and direct debits going unpaid charges too . So turned to credit cards ran them up trying to get through , eventually got on to payment plans to try to clear them . Ten or so years on still paying the payment plans…
-
santander
hi all can anyone advice, i'm reading on sky news that santander lost a court case today with commision paid to garages on car loans anyone got any info on this, i got a loan in 2013 with them car loan, wondering if i have a case
-
Reclaiming bank charges
Is it too late to reclaim bank charges ? I have basically lived in my overdraft since 2008 can I still claim ? What do I ask the bank for a list of charges or my past statements? How far will they let you claim back for ? Any help would be greatly appreciated. Thanks
