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Notice of sums in arrears(NOSIA) refund Natwest
Good evening all I was in a DMP from 2008 to 2015. I finally cleared my debts with a full and final offer to all of my creditors. Natwest was my largest creditor who added so much interest and charges that by the time they agreed my full and final offer, I had paid more than the original loan + interest but this left a…
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Loan Statements Not Received
Hi Today I received a letter from RBS saying they hadn't sent me loan statements and notice of sums in arrears notices for the last 4 years but they were now rectifying this by sending me them now. They have enclosed them all. However they did say in the letter they didn't fully meet the requirements of the consumer credit…
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When is an account a packaged account?
First ever post, be kind! Barclays are saying that their Premier Account is not a packaged account and therefore they have closed the complaint I sent via Resolver. It was a fee-paying account that they told me I had to open in order to get a mortgage with them. It may have had benefits but I can't remember any of them.…
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TSB 3 weeks on
I am now getting desperate! My father in law had his ISA, savings and current accounts all stolen on 1st May, he went straight in to his local branch of TSB to report the fraud on his account. He was told not to worry and that the money would be back in his account within 48 hours. He was then taken to an empty office and…
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PPI claim help
Hi, I took out a Debenhams store card in 2003, I was very young at the time and when the assistant asked me I wanted to spread the cost and get money off, I thought it sounded like a great idea. When we did the form she asked me if I was working and I said no (my son was very young and I hadn’t gone back to work yet) she…
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PPI claims: linked cards
With the help of Resolver, last year I successfully reclaimed some money for PPI from Egg and Mint Cards. In the new tax year I am claiming for PPi from my longest standing credit card, Barclaycard [ at least 20 years ] I have just received a letter which states: "Our records show that you have had other cards linked to…
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Reoccurring payments
My son took out AA breakdown cover in November 2015 online and I paid using a debit card as it allowed us to go through Quidco. He believes he cancels before the next year but has no proof. It turns out a reoccurring payment was made in 2016 and 2017 totalling £450 from my card. I didn’t spot this payments before now. He…
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HALIFAX £2000 refund - but I think they owe me double...
So: For years. I mean years - at least from 2012 - I have followed the same ridiculous habit. And I always knew it was my fault so I swallowed the costs involved. By the 3/4th of every month I would reach my £1000 overdraft limit. I would then borrow cash off my mum / or have ciphoned maybe £200 to my saver account.…
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Financial Hardship, Then or Now?
Apologies if this question has been answered before but if I consider my circumstances 15/20 years ago then yes I would have been in financial hardship... but not currently, so is the term "in financial hardship" relating to the present day? Can I still make a claim for a period where I believe bank charges were…
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Help Your Claim - package account charges
Hi, first time poster here! I received a call earlier from a company named Help Your Claim. Now, I don't usually answer my phone to unknown numbers and if I do I've never been sucked in... before now. The chap was telling me how my bank (Lloyds) charge different account fees for offering the same services cheaper on…
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Can I reclaim packaged bank account fee since we have paid twice?
Both my wife and I have a packaged account with Halifax, paying £15/month for this. We both also have an "ordinary" joint account with the same bank. I have recently discovered that the benefits we are both paying for would have covered us both, had we just upgraded our joint account, and left our individual accounts as…
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Thanks MSE!
I used Resolver to lodge a PPI claim with my old bank which i left years ago. Turns out i had PPI on a credit card with them for a while and had a payment of around £200. Not earth shattering, but was money I was entitled to. :T
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old finance
hello guys this my first post and its probably been covered before. In 2002 i bought a motorbike ,the company i got it from went bust i think or changed name . is it possible for me to find out who the finance company was at the time or is 15 years too far to go back .i have no documents from back then
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Unfair credit card charges over 6 years old
Just after a bit of advice please. I have a lot of unfair credit card charges which are on a card over 6 years old with MBNA. Is it worth trying for a claim with them or will they just shoot me down as they are over 6 years old? Has anyone had any success with claiming back fees which are 6+ years old?
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Policy number and date of loan - I've no idea
Hi, I realise this is going to sound bizarre, but I wasn't in a good way for a number of years. With time running out to claim for PPI, I thought I might as well give it a try. I filled in the basic claim form on Bank of Scotland website, and they've written to me with a standard reply, and the five loan numbers added.…
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Nat west package bank account success....Thanks
Just to say thanks to your brilliant site I have successfully claimed back packaged bank account charges form Nat West Originally claimed in April 2017 a for the period from Jan 2001 to May 2017 using the template letters on here, declined at the time as not misold....anyway I changed accounts and let it go (as the song…
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Historic PPI claim Nat West
About 7 years ago i contacted Nat West bank with a SARs request about a bank loan i had in the early 90s from a bank account i had closed in 1999. They replied with a letter requesting me to go into my branch with a passport to prove who i was. I did this then waited for a reply. They contacted me back with a vague letter…
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PPI V Discharged Bankruptcy
New to this lark so please bare with me. Through the banks / credit card people I had everything covered by PPI, I am self employed and after an accident which was going to put me off work for about 9 months I found out that none of the PPI's were going to honour the insurances so after advise l filed for bankruptcy. I…
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Barclaycard PPI SAR on Deceased
I'm trying to claim back PPI on behalf of my mother in relation to my deceased father. My mother was sole beneficiary and executor. I'm doing the paperwork for her (she's 90 and partially sighted), but all correspondence etc is to/from her as signatory. He had a number of accounts/cards, some but not necessarily all had…
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Debenhams PPI
Hi I've had a Debenhams card for many years. It was originally administered by GE Money, then by Santander and most recently by New Day. Do I need to complain to all 3 companies to ensure I get all the money back I'm due? Any thoughts welcome. Nigel
