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Reclaim bank & credit card charges

Share your experiences of reclaiming fees from banks and credit card providers.

Sk:n Liquidation Omni Capital Finance
Hi I signed up to a 6 month interest free agreement with Omni Capital Retail Finance for a block of 6 laser hair removal treatments through Sk:n Clinic Cambridge. I have just found out that Sk:n have gone into liquidation and ceased trading. I have only had one treatment and still owe £500+ on the loan. I called Omni who…
Early repayment charge
Hi I have a loan that was originally set up with Yorkshire Bank and has now transferred to virgin. My loan agreement does not mention a 58 day interest charge that Virgin now implement when paying off a loan early. Can I dispute this as my term and conditions shouldn't have changed as applied before the merger and the YB…
Data Breach by TSB
The wife and I had a joint account. A few years ago we seperated our accounts. They seperated our current account but left the savings account joint for some reason, sending the statement for it in both names. I complained and they apologised and paid me a small amount of money. Recently, she signed up for Internet banking…
Overdraft charges Halifax Bank
I’m looking into my brothers finances who has been in debt for over 10 years. He has just had a court order for debt from a current account for £1500 that was sold to PRA. Looking at this group I requested the bank statements and a summary of charges. He had a £2000 overdraft but was earning £1400 in 2014 looking at the…
Car Finance
Hi! Could anyone tell me who Car Craft used for finance in 2004? 🙏 😊
Think money monthly bank charges
Hi there , I was informed by a friend who works in banking that you can reclaim monthly bank charges if you were forced into using a certain bank . In 2010 , I entered into a trust deed and was forced by Gregory Pennington to use Think money going forward for my banking . I’ve been paying £15.95 now for all these years per…
Uber Magalu !?!?!
Anyone recognise this !?!?
Reclaim Packaged bank charges TSB
I am needing information regarding a TSB account opened 1986. How can I find out if i had to pay a monthly fee. It seems TSB merged with LLoyds. How do I find out what my agreement with them was and did they include monthly fees and how would I know as they have now split the new TSB has my account, and having complained…
Think Money
I was previously with think money for two/three years after switching via topcashback.com I was never informed of a a monthly £10 charge when joining think money and when I queried it, I was told it would help build up my credit rating which was very low at the time. I don't bank with them anymore and I read an article on…
Bank charges on HSBC account from 2000
Hi, I’m a bit late but can I reclaim overdrawn charges from HSBC going back to 2000 or have I missed this? Thanks
Help please
I'm sorry if this is in the wrong place I changed banks recently and provided two digits the incorrect way around it my employer, my wage obviously didn't go into my new bank. I've spoken to employer who state the bank I'm with need to look into it, but my bank are flat out refusing to, telling me my employer needs to look…
Income and expenditure
I have been referred to Money Wellness by Step change to look at DRO or bankruptcy. I am in a deficit on the income and expenditure but when going through the expenditure it is coming out I am in a surplus with Money Wellness. They said it is because of my childcare costs. My average childcare cost is £400. Some months…
Facebook, PayPal and a hacked account that ran ads.
Not sure if this is the right forum but wondering if anyone could help or been through similar. A few weeks ago my Facebook account was hacked, I had a business page attached to it which I hadn't used much in a long time but had a Meta ads account I used mainly for Instagram. The hacker got into my account and set up some…
Can I get a refund?
I have tried to claim for flights we have had to cancel because of new medical condition (and not covered by existing travel insurance) and flight operator terms state 'we do not provide any refunds' so credit card has said can't get a refund through Mastercard chargeback scheme. Can I now request a refund through 'clause…
unexplained £200 charge
Booked a property in March. Owner failed to grant us access and Booking.com cancelled and refunded the cost.However while I was checking that monies had been returned I noted that initial payment had been put back into account bur there was now a charge of £ 201.21 being lodged against my credit card being claimed by…
Bank charges letter
I just came across this thread. So in March 2020 I left a job after 6 years. The job I went to suddenly changed as it was affected by the pandemic. I was very worried about my job security. The 1 week that you had to have been in employment to be eligible for furlough, I had opted unknowingly to have 1 week unpaid leave…
TEMPLATE
Hi I recently read about reclaiming bank charges on MSE was there a template letter for doing this? If not, can anyone give me the link to this article. It was recent and on the same email as reclaiming PPI for car finance. Thanks
Calculating compensation for incorrect Early Repayment Charge
The bank has contacted me to say they incorrectly applied an early repayment charge on a mortgage I repaid early. (it was apparently for them to take it because I took out a mortgage with them for a different property 2 weeks later). They have offered to repay the charge plus interest (8%). The charge, approx £5,500, was…
£1000 claim back
Hello everyone out there my question is in 2020 I was to be married covid cancelled our wedding and we booked for Feb 21 the venue went into administration and folded, we lost our £1,000 deposit the accountancy firm taking over back then that we would potentially loose our deposit they have sold the property for 4.5…
Unhappy with offer from NewDay, claim was made through The Claims Guys
Hi all, I recently put through some claims with The Claims Guys acting on my behalf for irresponsible lending from several NewDay credit cards. All of which are defaulted due to financial difficulties. I have received an email from The Claims Guys with an offer from Opus Card which states they will be crediting my Opus…

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MSE News

Is now a good time to fix your mortgage or should you wait? Brokers answer as rates continue to fall ahead of expected Base Rate cut
Interest rates on fixed mortgage deals have continued to be cut ahead of this week's decision by the Bank of England on whether to change the Base Rate. But will fixed rates move much further – and should you fix now or wait?
Fixed-rate mortgages continue to fall ahead of expected Base Rate cut – so do brokers think now is a good time to fix?
Interest rates on fixed mortgage deals have continued to be cut ahead of this week's decision by the Bank of England on whether to change the Base Rate. But will fixed rates move much further?
Martin Lewis: How to call your bank by dialling just three numbers
How to call your bank by dialling just three numbers… simply dial 1-5-9. Then you know it's legit. Watch MoneySavingExpert.com founder Martin Lewis' video below, which explains it. And please share – the more people know, the fewer will be scammed.
Martin Lewis: How to call your bank by dialling just three numbers – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Martin Lewis: How to call your bank with just three digits – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Revealed: Holland & Barrett's supposedly cheaper 'Subscribe & Save' often costs more – it's promised a review after our investigation
Holland & Barrett's 'Subscribe & Save' scheme claims to offer regular shoppers "the best value" – but it failed to do so in the majority of cases MoneySavingExpert.com checked over a five month period. The retailer has now promised to review the scheme after our research found it was often more expensive.
Don't get your passport by post – 360,000 paid more than needed last year
If your passport is due for renewal, apply online if you can – it'll save you £12.50. More than 7 million Brits did just that last year – but over 360,000 missed out on savings by using a paper form instead, MoneySavingExpert.com can reveal.
Sainsbury’s Bank customer? NatWest takes over this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Chase customer? Check if you can get its newly boosted 4.8% easy-access saver
If you've got a Chase account, check if you can boost your easy-access savings to 4.8% – made up of a 1.8% AER fixed six-month bonus plus its standard 3% variable rate. Chase says over 2 million customers can get the boost, which would top our normal savings tables if it were open to all, though it's beaten by the top easy-access cash ISAs.

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Reclaim bank & credit card charges

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