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coop bank failure
we had a coop bank account in 1992 -95 , i got made redundant and the account kept going into overdraft , from what i can remember around £3000 in total charges now my new wages kept going in but were nowhere near to keep up to date with charges of £75 month and interest arrears , paying out around £400 month, we ended up…
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How far back can bank charge claims realistically go back?
Hi, have only just recently realised that I may actually have been put into hardship years ago due to ongoing back charges after "reminiscing" about my younger years with friends. The MSE site says 6 years is the statute of limitation, but people have had success for older claims. Mine would be much further than 6 years…
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Tax on Compensatory Interest
I am wondering if there is a way to reclaim the 20% deducted from the Compensatory Interest I received after a successful award from Natwest? Natwest were ordered to refund all interest charged, and this included the 8% Statutory Interest. They deducted 20% tax from this, but would it be possible to reclaim this from HMRC?…
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Scam via money transfer organisation
Our daughter was scammed by someone posing as Blue Arrow Recruitment into moving £2000 from her UK bank account into WISE (not a bank) from where it was transferred into the scammers account. Is the UK bank liable for reimbursing her?
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Santander have stolen my money
Hello I was wondering if you could help me, I recently have borrowed some money from a family member to the sum of £7000. The money did not clear straight away and I was informed the ‘back office’ would need to clear it. Fast forward a day and it then stated my account was blocked and to call the help desk. Called the help…
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TSB Sent wrong person refund
Hi, I received a letter from TSB stating that I was due a refund from previous charges/interest however that because I was in a trust deed, they had sent the cheque to my Trustee. However I completed my TD and was discharged over a year ago, so the cheque should have been sent to me. TSB are being very unhelpful and saying…
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Reclaiming Packaged Bank Account Fees
Hello all, first post on here! I've just been reading the page about reclaiming packaged bank account fees, and I can see that there is the Resolver tool for getting the ball rolling. However, my first problem is that I can't remember when I originally opened the account, or even if I had a different one to begin with, and…
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Carpenters law doesn’t release my compensation
Dear all, I hope I am posting this in the right section, apologies if not. I am a customer of Aviva car insurance. Last November I was involved in a not at fault accident (someone smashed in the back of my car). The car was written off and Aviva referred me, without my asking for it, to their partner carpenters law. They…
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Large Amount Transferred Abroad - The Fault is Ours, But Bank Could Have Done More?
Sold my late mother's house recently, and went to the bank to transfer my siblings their share. The issue is with the amount I transferred to my older brother in Switzerland... I checked the account yesterday and the money had gone out, but then straight back in again, minus almost £5k. I phoned the bank (I don't know what…
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Bank of Ireland tracker mortgage scandal
Hi, My wife and I were customers with the Bank of Ireland during the financial crisis of 2008 onwards, we had a tracker mortgage with the bank until we received a letter from them telling us they were selling the mortgage to another company, we had about six weeks to act on this. I understand this practice became subject…
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Direct Debit mistake by Radio Times
My latest half yearly payment has been taken twice. I have spoken to Radio Times about it on four occasions, each time they have acknowledged their mistake and promised a refund but it never comes. What can i do ?
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Any Advice
Hi All Am new to the site so hopefully this is going in the right place. I am in the middle of having a company look at a credit card debt that went to debt collectors to hopefully have it removed. I have used this company before and ws successful in having an HP refunded. I had covid and this credit card went I to default…
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Onsavings.co.uk - Scam
So I just wanted to share my experiance, regarding a scale that has been started with payday loan companies and to warn people in the future about the signs. I signed up for a payday loan about a month ago and was accepted. They’d asked for my details and requested a chargeback of 14p through my banking app, which I…
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Reclaim bank charges
Noticed this on MSE today. I suffered for several years pretty much every month in my overdraft and credit card interest as a result of problem gambling, which is self inflicted hardship. I'm wondering if I would even qualify here? Fact is, I earned good money, but was burning it all, and the banks would have been aware of…
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I can't get my money back - Opodo
Hello, I have been erroneously charged for another year of Opodo's prime membership (there was a technical error with my account and it wasn't cancelled on time). I called them, they apologized and promised my money will be refunded within next 72hrs. That was on 03/04/23. Five phone calls later and literally hours on the…
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BANK SMART!!
Hi there, I know there are lots of threads on various forums regarding the tactics of this organisation. I received an email on Friday, out of the blue, from Bank Smart. At first I thought it was a scam but when I logged on to their website, it related to packaged bank account, which I successfully claimed against in 2017…
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Complex Credit Card Chargeback
Hey all, Just looking to the community for some guidance on this one... We bought a kitchen and bathroom renovation from a local Cardiff-based company. The cost for the full job was ~£52k. Including all the units, installation, removal of debris, make-good, plastering, etc. The whole thing. The quotes were split, one for…
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Plum Bank. Fraudulent bank withdrawal, bank will not reimburse.
Good morning, newbie here after some advise and reassurance please. I have a savings account with Plum, had it for about 4 years and helps me to budget. It’s set up so that any money that I withdraw goes to my nominated bank account and has worked well for me, until recently. I woke up the other morning to notifications of…
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Financial Ombudsman - how can I appeal decision / elevate the complaint?
Dear Forum I am not satisfied that FO have adequately reviewed my complaint What is FO email address for elevating the complaint & insisting on a new reviewer? My network agree that my position is strong - and warrants an appeal. Surely an independent reviewer within FO can be requested? SSD
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Santander will not refund fraudulent transactions.
Any advice would be greatly appreciated. On Friday 16th December 2022 I received a text
from Santander saying that I had gone into an Unarranged Overdraft, I immediately
logged on to my App as I knew there would of needed to be some significant and
unknown debit transactions for this to happen. On inspection there were…
