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Too many cards/banks for PPI!!
Hi I have a relative who has used one of those firms that take a quarter (I think they may also take £30 of every £100 of VAT you get back) of any money that you get back through a successful PPI claim. I have used alot of credit cards down the last 8 to 10 years and I have lost track of the number of banks/building…
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Natwest daily overdraft charge
Hi All, I am new to this and hope you can help me? I have 2 natwest accounts a standard account with a 300 overdraft and a silver account with no overdraft. Well in March i went into work one day only to be told that the company was bankrupt and i had no job, no warning nothing. So i was jobless and pennyless. I called…
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Lloyds and TSB charges.
Hi all. I am about to appeal over double charges, but would like some advice first. First of all I KNOW it is my fault we are over drawn, but kids need food & shoes etc & Hubby NEEDS the car to work. We have had an account with LLoyds TSB for forever. It started off as TSB, then they merged. Both myself and my husband got…
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Barclays claim
I ordered my old statements from an old closed Barclays account which is where all my financial difficulties started and was horrified to see that they had taken £600 of charges from me in less than 1 year! Following the template on here Ive written up my letter and got my proofs and have sent off my letter to Barclays,…
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GE money PPI
I have had a reply from GE MONEY today refusing repayment of PPI as loan was taken out through them by Freedom finance and they are no longer in business. Can someone give me advice please. They wouldn't give loan without PPI it was £4500, no arrears on account.
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Halifax - O/D + Charges. Defaulted account and closure.
Hi guys, first time posting here. I've read through all the guides and they sound fantastic but I think I'm in a unique situation as I can't speak to anyone who I owe my debt to. I'm turning my financial situation right around with me getting a great new job and paying all of my debts off it's just this one is lingering.…
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natwest bank charges reclaim
Hiya iv recently tried to reclaim my old bank charges Im wondering how long it normally takes And if any one has had any success I was in hardship when they was taking The charges and even lost my house because of these Charges Thanks
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RBS royalties refund
hello, thought id try for this and 2 weeks ago sent off the template letter, 2 days later got a text to say they had it and were dealing with it, phonecall on 30th may about it, refunded on the 3rd june, £1400 compensation and £513 interest, brilliant, paid off a credit card bill straight away! urged my mates to do it too,…
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Reclaiming really old bank charges
Hi, I think I probably know what the answer will be, but I was wondering if it was worth me trying to reclaim bank charges from around 10 years ago? I banked with Barclays, and had a current account. Admittedly, initially, due to me being young and foolish, I ended up overspending. Initially, I requested an overdraft,…
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PPI Questions
What is PPI? Where did it come from? Who made up PPI?
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car loan PPI?
hi, I bought a car from a car dealer back in 2004, they arranged the finance. I don't have any docs with info on this loan anymore. The dealership have gone bust so can't ask them .... how can I find out who it was and to claim PPI??
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Mortgage Early repayment charges
I recently received a letter from my old mortgage company (NRAM) to let me know that some of their communications with me regarding my old loan 'mortgage' did not comply with CCA rules. Subsequently they were going to refund me for 'any interest and default charges that were applied to my account' during the period of…
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rbs royalities gold travel insurance help
Hi I was sold Royalities Gold account for the main benefit of their free travel insurance. Now after 12 years have found out due to medical conditions that we would not have been covered. Can I make a claim for the £12.95 fee per month to be returned.
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This could be the banks Plan B
The first thing that many banks did when people started claiming for mis-selling of PPI compensation was to deny to a customer that they even had PPI (well they had to try it didn't they?:rotfl:), once this strategy began to fail by the bucket load it's only natural that any bank that tried this first of all would then…
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Help with LPI Please
In January 1994 I got married. In December 1993 my future husband and I saw a house we liked. I already had my own property. We wanted to buy this together but as my husband would be 59 in May of 1994, we didn't think we could get a mortgage. However the estate agent told us differently! He assured us that we would be…
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MSE News: Had a CPP mis-selling reminder? Don't ignore it - it could be worth £100s
Reminder letters are being sent out this month to some who were mis-sold card and identity theft policies from CPP... Read the full story: Had a CPP mis-selling reminder? Don't ignore it - it could be worth £100s Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all…
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First National Tricity Finance ltd.
Hi. Can anybody help? Found some old paperwork today for a sofa i bought back in 1999, it was financed though First National Tricity Finance Ltd, and I've found i took out PPI, when i knew if i had been offered it i would have declined(mainly due to being a tight !!!!). Ive googled them ,but any contact number I've rung…
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Bank account explanation for non entitlement of compensation
I have had an ultimate reward current account with halifax bank for past 9yrs aporox.It costs £15pm it includes RAC cover,travel insurance,mobile phone insurance etc.i do not need any if these benefits and only obtained the account as I was told it would improve my credit score as it had an overdraft facility.i have only…
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Freezing Overdraft Interest?
I have been advised by the CAB to transfer my pension in come into a different account because I can not afford to pay all the bank charges being made on my account. The reason for this is that when i was working I had a £3000 over draft limit for a small monthly payment. I have never managed to clear that over draft since…
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PPI Sars, Are Banks withholding information?
I've been chasing PPI's for some months now. Original SARs requests sent in March to 3 bank. The Banks have sent transaction history as far as I am aware instead of a SAR. There are no destruction documents and they aren't showing loans pre 1999 but no destruction certificates. There was well over £150,000 in loans and up…
