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Can I ask for intrest on Overpayment?
Hi all, this is not exactly a question of recovering bank charges per se but not sure where else this fits. Having just checked my credit file for the first time in a long while, I have found that new dat ( Debenhams) have held onto an overpayment of £680 on a store card which I thought closed in 2103!! I’ve naturally…
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Lloyds bank acc reclaim
I have reclaimed my bank account charges and have recieved a cheque for over 3k but Lloyds have sent me the cheque before i hve recieved a statement or breakdown of repaid charges, call me cynical but are tge trying to get me to take the cash before i recieve the breakdown letter supposed to be sent to myself several days…
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PPI claims firms - any recommendations
Hello, Firstly please don't shoot me, I know that the general guidance is that it is simple to do this yourself - but for various personal reasons I am realistic enough to know that i am not currently in a situation to be able to do this. I am aware that the deadline is looming, and to be honest i am currently thinking…
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how to fill in form if I don't have paperwork
Hi, I've ignored the PPI stuff because I didn't think I would be entitled, having not had anything for over 7 years. However, I keep seeing things saying you can do this with older stuff. I had several credit cards, and loans with Lloyds who have been my bank for about 20 years. I know that I will have had PPI at least…
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PPI and bankruptcy
Hi I'm new to this so here goes. I know the LAW says you can not re-claim PPI from before a bankruptcy. But if you had loans and mortgages that were payed off in full with PPI on them , then became bankrupt years later . If the PPI I payed was more than what I went bankrupt for to HSBC I should be able to find out the…
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Reclaiming bank charges - scam?
Hi all I entered some basic info on an advert I saw on FB regarding claiming back bank charges and fees. I got a call today saying I could get over £1k back...that part seems legit from the research I've done. However this company say they won't charge unless I win the claim, but then they'd take 30%... I feel like this is…
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Creation Finance are causing me issues
I have been waiting on Creation Finance who confirmed that PPI had been applied to my store card loan. This dated back to 1990 - pre FCA. They have said that as the loan/store card was sold in store they had no action in selling me PPI and that I should have read everything and that there were no rules about mis selling…
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Barclaycard claim from 93 - advice please
Hi, I spent most of the day reading the threads re a potential claim for PPI misselling on my (now) wife's Barclaycard.It shows on her statements from 93- 99. She has all the original statements, plus some renewal letters but can't remember for sure how she took it out - she *thinks* a phone conversation. I think the…
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Where to next with Barclays?
Hi all – looking for a bit of advice… In essence, Barclays have not upheld my complaint about mis-selling a Barclays Additions Plus Account back in 2007. This in itself is clearly not the result I was hoping for, but the reasons they have stated for the rejection is what actually irritates me. In their summary and reasons…
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Can I reopen old claim
I made a claim against Lloyd’s in 2014 for a platinum account which I was told I had to open in order to get an overdraft. At the time they refunded me £575 this was despite me actually paying a total of £1684 over the years I had the account. I vaguely remember them saying to me that I had used the breakdown cover once.…
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Ppb?
My partner was sold Payment Protection Benefits (paid to an insurance company) when taking out a pension policy, is this the same as PPI? Thank you in advance for any clarification.
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Credit card claim
Hi, I am aware that claims can be made for charges and interest on pay day loans, when proper credit checks have not been carried out, but I was wondering if you can make these claims in respect of credit cards? Barclays issued me with a credit card in 2000 without me requesting the same or applying for one. It was issued…
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reclaiming ppi abbyloan,cahoot,abby cc
i have already successfully claimed ppi from liverpool victoria about 2007 using martins template letters and i tried with abby national but they knocked me back . im wondering whether to have another go especially in the light of Plevin. Ive got a cahoot blank agreement from 2002 ive got a couple of old statements bank ,…
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Claiming back with Barclays, not sure how to word the letter.
Hi, So I am sending the template letter to barclays, however I am not sure how honest to be with the reasons I believe I was mis-sold; I think it may be better to give less info and let them decide. I will paste my exact letter with my information redacted, would someone be able to give me a little advice on the wording.…
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Nationwide - only consider last 12 months
I started the process of trying to reclaim charges from a Nationwide overdraft from several years ago (2010-2012) claiming hardship. They have responded saying they are only required to review the last 12 months of charges. Is this correct?
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Lloyds AVA Gold Account
Does anyone knowwhen Lloyds started there Gold Service AVA, i think kt was in the late 1990's but need a date if possible.
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Irresponsible lending? resulting in snowball bank charges effect?
Hi Been over to see my BIL who was diagnosed with paranoid schizophrenia in 2007. He doesn’t tell us much but whilst I was sorting out 6 years of unopened mail and documents we found he had been going overdrawn for at least the last 5 years (both an authorised and unauthorised). We asked h8m about it and he just told us he…
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Financial hardship online resources
A few sources have further guidance on financial hardship: http://www.financial-ombudsman.org.uk/publications/ombudsman-news/83/83-financial-difficulties.htm http://www.financial-ombudsman.org.uk/publications/ombudsman-news/39/financial-difficulty-debits-39.htm :starmod: If you find any more please post them below but…
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Halifax Automatically Refunding?
Hi all. My fiancee received an odd payment into her bank last Wednesday which only showed as "Charge Refund" for £45. Today she has had another £91 put in with the same description! She doesn't want to call in case it was a mistake as to be honest, we could be doing with the extra cash, but she hasn't made any sort of…
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Missed 6 month ppi deadline with Santander!
Hi, 5 yrs ago I tried to claim back PPI from my Santander mortgage. Never heard anything from them and forgot about it. I wrote to them again a few months ago to enquiry about this again, to be told they had responded to my original enquiry . (correspondence I didn’t receive) offering me £2000, seen as though I never…
