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Santander Business - Unathorised Overdraft Charges
I got charged £426 in unauthorised overdraft charges for a month period by Satander. The account was overdrawn for most of the month albeit for a small amount for most of that period. I've been struggling recently and wonder if there's any chance at all of me getting these charges back. £426 seems an outrageous charge. Can…
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Problems with Santander.. The saga begins
I sent a request to santander's data protection team after finding the address online but being told on the phone that no such office exists (thats going to be gold in court, i record all my phone calls). I got a letter back from santander today stating that they were unable to issue an individual list of fees and charges…
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Adams store card
Hi just need some advice had an adams store card years ago but can't remember exact dates etc or account number how do I go about reclaiming ppi
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Abbey (merged)
and I have a couple of questions. 1) Assuming i'm successful, would I be liable to pay tax on what I recover? 2) What do I tell any other bank when I go to open another account?! 3) Is there an upper cash limit on the charges to be claimed? Cheers Richard
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Why do banks allow unauthorised overdrafts anyway?
Apologies for starting a new thread but this is something I want to understand in relation to this whole charges and fairness or otherwise of "unauthorised overdrafts". Is there some kind of payments guarantee between various financial institutions that obliges a bank to make a payment even if that payment would take the…
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Lloyds bank
I submitted a claim via the template on this website to Lloyds bank 25 days ago, but as yet I haven't received a reply. I have received a call from a claims company and I am wondering if I should pass it to them to see if they can get anything. Do you know how long it usually takes from Lloyds bank? Many thanks :)
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Ppi mis-selling payment
Hi,wondering if anybody has any experiences similar to mine they can help with? I used the Resolver app recommended by M.S.E... it was for a case about my bank where I've been a customer since 1996 and had at least 4/5 loans,overdraft for about 10 years and a credit card-all before 2010. Even though they were asked to…
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will i have missed the boat?
i,ve had same bank account for nearly 25 years with what is now lloyds i know i did at one time pay a fee for account for travel ins etc included in that but dont know the exact date i paid for i know it was at least 14 years ago (( my sons age) will i be able to claim just with my account details as i dont know how much i…
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Helping with old MBNA credit card PPI
Hi, a little back story.... my mum and dad split around 19 years ago. My mum has let me know tonight that my dad may be due to PPI back from an old MBNA credit card which was in his name. We don't know the exact date etc, would it still be worth while him looking into this? My mum has stated that he was advised to take PPI…
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Packaged Bank Account - possible to reclaim?
Hi all, I'm looking for some advice on behalf of my mother, and would be grateful if anyone can offer any advice. My parents were sold a packaged bank account sometime before 1999. They requested an overdraft and were told they could only get one with this paid for packaged account. We've just seen through the MSE guide…
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Barclays decline first attempt
Hello After reading Martin's bank charges reclaiming guide, I wrote to Barclays (using the MSE template) yesterday, under financial hardship guidelines (which I am well and truly in - and have been for several years). My claim was for just under £4,000 of charges over the last 6 years, covering returned DD's and guaranteed…
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Natwest Creditguard or PPI
Hi can someone please help? I claimed back in 2012 that I was unsold my Creditguard (PPI) for my Natwest Creditcard. I originally made the claim that it was sold on the telephone and this claim was rejected and I thought nothing more of it. While moving house recently I found NatWest's initial response and after reading it…
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FOS says no?
Hi to all. 2 years ago I wrote here about Yorkshire Bank saying I'd had no PPI on 12 loans over a 30ish years period. I had however had PPI on their Credit card. I rang the FOS. He just said that was it, if they said no, it's no... as they wouldn't lie? Today, been reading on the site and, contrary to advice given on here,…
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£21 overdraft £436 charge
Any advice welcome, had letter from dca demanding £457 for an Santander overdraft. It was an old unused account registered to previous address so unaware of £21 overdraft which must have built up fees over a year or so. I Don't have any statements though. Dca say they will accept £366 as partial settlement but want to…
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Natwest said no...now what?
So I/We followed the MSE process to try & reclaim charges/freeze interest/charges on my partners current account (avg. £60 pm from arranged & unarranged od) but they flat out refused. My query is, if my partner opens an account at a new bank and has his wages paid into that instead, can we simply offer Natwest a token…
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FOS called...I won!
Yay for me! FOS just called to say that my old bank has agreed to refund my bank fees! Over the moon as that is money back in my pockets and food on our table! Regards [A very happy] Mailman
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Unarranged OD
Good Morning, I have woken up this morning to find my bank account cleaned out once again due to unarranged od fees and returned payment fees. £90 down for this charging period but £360 down in 2017 so far. I've had a look at as far back as I can on my online banking and since July 2010 to today's date I have been charged…
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Rejected PPI claim.
On the 22nd June I filled out a questionaire form on resolver via Martin Lewis webpage claiming PPI from capital one. 1st July I received a written letter back from them saying my claim had been rejected as capital one had done nothing wrong. Should I write to them asking for my reclaimed money before taking it to the fos.?
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Citifinancial PPI Claim
Wonder if anyone could give me some advice please? I have tried to claim back PPI from Citifinancial on a £32,000 Secured loan. I have been successful and they have made me an offer! Their letter reads like this: Total amount of PPI Premiums paid: £1071.87 Plus interest on premiums paid: £1043.43 plus 8% interest…
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How to claim for Mint credit card - now RBOS
Hi all. Just a quick query - Mint credit cards are now 'closed' but the brand is owned by Royal Bank of Scotland. In the Resolver tool there is 'MINT' in the dropdown list but it displays a logo I've never seen before and isn't the Mint I remember! Should Mint customers choose Royal Bank of Scotland from the list for this…
