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escalation to Ombudsman
Hi had a success of two claims through a claims management company (Ouch) which were to do with my previous personnal mortgage with the Halifax. The 3rd I realised would be due for my /our current mortgage, which the wife pays for from her own account, which just happens to be a Joint Account, hence it was flagged up in a…
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Barclays Additions charges
I was mis sold a Barclays Additions account in 1996. Was very young at the time, didn't need it but coerced into it by Barclays rep. Anyway I complained to Barclays & was told that they consider a reason amount of time to complain about charges to be 6 years. As I hadn't complained within this timeframe then they would not…
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New Court Case for Chain Loan PPI
Hi there, I made a complaint to RBS in May about miss sold PPI, I have been successful on two but another 3 formed a loan chain, I was asked for another four weeks by RBS in conection with this loan chain as they were gathering further information, the loans were taken out 2005, 2006 and 2007. The four week were up on…
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Is there a time limit for claiming unfair charges from 2005 - 2009?
Halifax are saying I can only claim for the last 6 years of unfair charges Conveniently, they changed the overdraft charges in 2009 so they are saying I have no right to complain about anything prior to that?
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Personal reserves
Does anybody know if you can claim back personal reserve fees? I don't have the account now when j had my Barclays account I was struggling with money and ended up with a personal reserve which I cannot remember ever agreeing to and ended up paying hundreds in fees. I ended up having to borrow £500 to get out of it and had…
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Reclaim OD and failed DD charges from account now with DCA?
I had an acc with Santander and let too many DD fail, will post acc statement below, does anyone think I have a hope of reclaiming some of the charges back? £615 of the £624.99 owed is charges, and has been sold on and sold on since 2011/2012 and is now with a debt collection agency. Transaction amount Balance 5/10/11 9.99…
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RBS Credit Card PPI
Hi 15 years ago I took out an RBS credit card, my ex has always paid the monthly payments but a couple of months ago when we split up i started to look after my own finances. I noticed on the CC statement we were paying PPI so I contacted RBS and asked them to cancel it immediately and to let me know why we had it (I…
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Bank overdraft interest on dual accounts
I have multiple accounts with Nationwide and have found that if one account is overdrawn but the other is in credit, I am charged for the overdrawn account when overall the two accounts together add up to a credit balance, so overall I am not actually overdrawn but still being charged. I want to claim back the interest…
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Old CPP letter
I have recently been round to my parents house and was sorting through some old papers. CPP sent me a letter regarding compensation to their address back in Feb. 2014. I have not lived there and have moved 9 times since! It states I had to claim by 20 August 2014. Is there anything I can do I have no idea what card /…
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historical ppi
I have been contacted by a claims agent who has stated that I can claim back from when I was 18, (quite a few years ago). Is this correct ?. I did have credit cards and a bank loan, but I was declared Bankrupt in 2006, which was dissolved within 6mths. Previous agents have said because of the bankruptcy I wouldn't be able…
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Reclaim packaged bank account fees - Smilemore (Co-op)
Has anyone had any luck reclaiming Smilemore packaged bank account fees?
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Success on packaged account but charged tax
Hi, Following the advice on this forum I've been successful on 2 of my 3 historic packaged account claims for mis-selling. About £400 returned which is great news! However, the amount could have been more but RBS have deducted tax! Is this normal? Interestingly, on the account they rejected the sign-up was done online (it…
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PPI claim for aunt with dementia
Hello My aunt has had dementia for several years. In recent months myself and my siblings have taken control over her financial affairs. Power of attorney has been signed over to my brother and my aunt has recently been placed in a care home. Its recently come to light that my aunt has been paying PPI on a barclaycard…
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Pauline
Hi...I have tried to reclaim package bank account charges since May 2014 and it has been to the ombudsman and their decision is totally unacceptable as it is based on likely probabilities, because of lack of evidence due to the length of time ...being 2006 when this was mis-sold....It was all done on a phone call, when I…
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First Direct - (merged)
Just wanted to say to Martin and all at MSE that I am so inspired by your article. It came at just the right time as I have just gone to my First Direct account to find that they have racked up over £135 in fees for me this month as I exceeded my overdraft. I had contacted them to tell them I was with CCCS and launching…
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Received an offer of compensation for mis-sold PPI from Clydesbank
I have received a letter from Clydesdale bank regarding a complaint I made (using the forms you make available) regarding ppi mis-selling on a credit card. They have offered a refund the PPI premiums paid, plus 8% interest. I am not sure if the amount what they calculated as "know ppi premium paid" is correct so maybe all…
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Debenhams late fees,Do I have a claim?
Hi all Whilst asking Debenhams(Santdanter) for possible PPI claim I received a transaction print out for my account and found that I did not have it. Today I read about unfair bank charges and went back to the print out and found I had numerous late fee's. But looking at it closer it seems this was a pattern of monthly…
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Reclaim Packaged Bank Accounts
Hi, I was wondering if you could all give me some useful hints or tips. Any comments would be greatly appreciated. From noticing through this website abou reclaiming mis-sold packaged bank accounts, I used the resolver website to formalise my complaint to Barclays. In 2012, as an 18 year old boy who had not much experience…
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Vanquis credit card charges, advice needed!!
Hi all, Just wondering if it is worth trying to reclaim charges from my vanquis credit card . The charges would probably all be £12 ones over the last 3 years or so. Has anyone had any success lately with Vanquis? Had a look around the site and cant really find much up-to-date reclaiming attempts or successes (could just…
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Quick question from Newbie!
Hello, Many thanks for reading my question. I am being charged quite highly by my Santander 123 Current Account, when I use their authorised overdraft and when I slip into the unauthorised overdraft too, this month alon I have been charged £23 for using their authorised overdraft and £18 for using their unauthorised…
