-
refund of bank charges
Hi I recently received a refund of PPI on an old credit card (over 10 years), however when I requested a refund of default charges on the same credit card I was informed "that there were no default charges on this account for the last six years" - so no refund. I'm a little confused, same card (over ten years old) however…
-
Hardship...would i qualify
I've been with my current employer since just before Xmas. When I first started I was weekly paid but after some consideration decided to go monthly. They offered me £300 bridging loan and to date I've paid back £100. I was paid on Friday and it turned out that for some reason they decided to take £400 from my pay leaving…
-
Beware PPI claims from companies claiming to be Lloyds Bank
I have been on at my son, who has ADD, for 2 years to claim his PPI from Lloyds Bank Credit card. Finally having got him to send off the letter requesting a copy of his original credit card agreement, plus the £1.00 cheque, he had the copy of the agreement returned in the post to him. Included with the form was a claim…
-
Help with Lloyds PPI Claim
I've banked with Lloyds for nearly 30 years and over that time had lots of loans and various credit cards. I know on some of those loans and cc's I had PPI and I also know in some instances it was while I was self employed. I have no details of any of those transactions any longer. A couple of weeks ago while trying to…
-
Exceeding Overdraft Limit
Hi, I have had a gambling problem most of my life. My bank HSBC are well aware of my gambling problem as I use my debit card on gaming websites and would normally spend 90 percernt of my months pay in two days. I asked them if I could have a £400 overdraft,they said no problem. Without asking , they let me exceed my…
-
Halifax PPI awaiting new FCA guidelines
I received a letter concerning my PPI claim. They are not able to provide me with a final response and are awaiting new FCA guidelines which should be before the end oif 2016. Should I know complain to FOS or reply to halifax and say I am not prepared to wait. Would be interested if anyone on the forum has had a similar…
-
Re-claiming overdraft fees-am I too late?
Evening all. I was wondering if I could ask the forum for some help? I have searched the forum but nothing obvious turned up. Several years ago when I was much less financially savvy I fell into the overdraft trap, one month I would go over my overdraft limit and the following month the charge would send me straight back…
-
PPI calculation
Hello I have recently been advised that I am due back some PPI that was miss-sold by Yorkshire Bank. The information received only gives a gross figure for the amount of PPI and does not explain how it was calculated e.g amount paid per month and for how long. If I ask, am I likely to receive a more detailed statement of…
-
CMC payment
My dad used a CMC to help him reclaim some mis-sold PPI, he unfortunately passed away last year and since this point I have been dealing with the bank directly over his claim. Does anyone know if I would still have to pay the CMC their 39% fee, as my dad agreed to use this company even though he has now passed away.
-
Reclaimed Premier Bank charges
Thank you so much Martin! I filed a complaint using your Resolver tool and just got £2,000 + refund!!! :-)
-
Claims Management Company
Dear All, This is my first thread. I'm in the process of addressing Credit Card claims and PPI myself. Over the last few months I have received mail shots from a company called UK Money Solutions who are based in Birmingham regarding how they can claim on your behalf 25% plus VAT. I don't intend on using them but just want…
-
Spam text? or genuine?
Apologies if this is in the wrong place, I am a newbie. 6 months ago I had a letter from Barclays stating that they couldn't find any of my paperwork, and to be fair it was 20 years ago, although it didn't stop Halifax paying out after just 4 weeks. I didn't have any account details etc, so I just left it, this morning I…
-
Bank has responded, partial resolution but can I go further?
Hi, first post so please be gentle :-) I sent a letter to Halifax last week stating I believed id been missold on my Ultimate Reward Current account for the following reasons I stated: Weren't sufficiently advised of alternate fee free account, not informed of the excess of some insurance benefits, felt pressured in to…
-
MBNA PPI Already Claimed
Hi, I have previously successfully claimed PPI on a MBNA credit card. I have now heard that the redress may have been underpaid. Can I now claim again for the balance I should've received? Thanks
-
Interest on PPI Repayments and PSA
I've recently been successful in getting redress on PPI paid to RBS. RBS has paid interest on the amount, but has also deducted tax from the interest figure to pay it directly to HMRC on my behalf. My question is, can this interest on PPI repayments count towards my Personal Savings Allowance, and therefore can I claim it…
-
Overdraft Fees
Hi, please can someone provide some guidance on a very sensitive and awkward bank fee query I have where the bank is hiding behind the 'data protection' shield! My brother has a history of being useless with his finances and has lived in a 'formal' overdraft for most of his adult years when he had what the bank call a…
-
No acknowledgement of ppi claim
After following all the good advice of this site, I submitted my ppi claim via post with all back up evidence etc and sent recorded delivery and it was signed for by the bank. 8 weeks later, I haven't received any type of acknowledgement or communication from them, so can I now refer this to the FOS ?
-
lukeyboy111 vs Clydesdale Bank (via Ombudsman) : SUCCESS: Awaiting Offer
Hi. I recently submitted a complaint to Clydesdale Bank Plc regarding a credit card I had dating from early 1997. The complaint was declined, and I subsequently complained to the Financial Ombudsman. The good news is that the Ombudsman wrote saying that the Clydesdale were going to make me an "offer". Of course, I'm still…
-
Complaining to the Ombudsman Query
I complained to the Royal Bank of Scotland 3 years ago because I felt that I was mis sold a packaged bank account. My complaint was turned down. Does anyone know if I can now complain directly to the Ombudsman on the strength of that earlier claim, or would I have to start the process again by writing to the Bank first?…
-
Barclays rejected first complaint but upheld second. What next?
I've complained to Barclays about our packaged bank accounts. We have all our accounts with Barclays and always have had. I claimed for our main account as we took out an additions account way back in Nov 1999, just after purchasing our house. We continued using this account until Sept 2006 when I thought it changed names…
