-
Success In Packaged Account Claim
I fell out with the Halifax after being ill about 4yrs ago. I only had an overdraft of about £200 and came to an agreement to pay this back monthly. I had asked to drop the £15 monthly charge as it made no sense to me to pay it in the situation. They insisted saying I would incur penalties if I didn't. After about 6mths my…
-
Lloyds Bank Charges
Hi, I have received 6 years worth of statements today from Lloyds. Luckily they have given me a statement showing all charges as opposed to me having to go through every statement! Is it only the charges I have been given for a) missing a direct debit & b) going above my agreed OD limit I can attempt to claim back? I pay a…
-
Hardship at time of charges - how long do they go back?
10 years ago we got into real trouble - my husband got industrial asthma and was not allowed into work and placed on sick leave until the company sent him to hospital to find out what it was and then he was dismissed, that took a year. Around the same time my son was also diagnosed with a disability. They told him he had a…
-
PPI success, but on DMP
Hi, I would like some advice. I have been on a DMP for 3 - 4 which is managed for me by pay plan.. I have very recently been successful in claiming ppi and have been issued a cheque by Barclays, who are NOT one of the creditors. My problem is this. When I entered my DMP, Barclays would not open me a basic current account…
-
Lloyds Bank Charges Reclaim
Hi, Its a while since I have been on this forum. Ive just received all my husbands bank statements from 2001 and Ive totalled all the overdraft unplanned or excess fees from then till 2016 and this is £810. A few year ago I claimed from all the bank accounts I had and was successful. Hopefully I can get this back for my…
-
HSBC PPI claim
Good morning all, We're in the process of reclaiming PPI from HSBC from an old loan. Currently they're investigating our claim, it's nearly coming upto the 7th week of waiting now and we phoned for an update last week. The customer contact centre emailed the team dealing and the response was that they're currently…
-
Reclaim packaged account or not?
I have had a packaged Gold account with LLoyds since about 2002 when I moved house. I went into the bank to ask for a bigger overdraft facility and was sold the packaged account on the basis of wanting more overdraft. (face to face sale) Several years later I rang the bank and asked if my packaged account could be changed…
-
reclaim Lloyds TSB platinum acc charges
Hi, I was pushed into taking out a platinum account with Lloyds when it was with TSB years ago but I can't remember the year. Will it be possible for me to get this information from my bank? Thanks Donna
-
PPI charges
Has anyone contested the charges PPI companies charge for a sucesful reclaim? I got money money back from Lloyds and after they took their cut the PPI company took 36% off me ( £730) I lost over a third in charges which makes a mockery of the whole thing
-
Packaged account refund - is it worth Ombudsman?
Hi, Just a bit of advice please! I have received a cheque from Lloyds for £270 as a partial refund for packaged charges. I paid approx £900 in charges over 7 years but they will only refund the difference between a `select' and a `platinum; account. This decision is based on the fact that I registered mobile phones to the…
-
old loans
i loans with ppi but they were taken out before 1997 - is it worth making a claim (i also do not have any of the loan details!)
-
PPI and ASU
Can anyone tell me if there is a difference between claiming PPI and ASU (accident, sickness and unemployment) insurance policies?
-
Natwest Advantage Gold result, kind of...
I am currently experiencing some financial difficulties due to the closure of a failed business venture so around 12 months ago with a personal overdraft of £5K with natwest that was incurring charges everyday I set up a new account with another provider and agreed to pay them £1 a month until back on my feet. I then…
-
Store cards
I had a lot of store cards in my 20s, Debenhams, Principles, Evans and catalogues but now no longer have any account details. How do I go about attempting to reclaim PPI, I know I paid it but have no account numbers etc, they also don't show up on Experian as they were such a long time ago. Any advice would be great,…
-
Got a refund today from the AA
Sooo happy today and sooo very appreciative of everyone who takes time to post on here as without all the advice and support I wouldn't have received a cheque of £1071.13 from Bank of Scotland today:) .....this is the ppi on an AA loan that dated back to 2004. I am delighted.....I only put the paperwork in last month and…
-
Are my credit card charges reclaimable?
Hello all, I have a query on some charges made on my credit card from a number of years ago. When I left to join university in 2000, I signed up for a student account with HSBC. Part of the account gave me a credit card. When in branch signing up I was asked whether I would like to pay £5 per month to protect the card.…
-
PPI Rejection and SAR request?
Hi Guys, Have received a PPI rejection from MBNA. The letter goes into great detail as to why they should not refund and at the end states that the request falls outside of the impacted time frames. It states the only recourse is via the financial ombudsman. I am considering an SAR is the link below still valid in wording…
-
Packaged account claim
Hi, I recently took up a claim regarding a packaged account with Lloyds using the resolver facility. I received a call from bank next day and they asked a few questions etc and asked me to email them as they seemed to have lost the resolver claim! I did so and it is now getting close to escalation point with ombudsman.…
-
Halifax credit limit blunder
Hi all This is my first post so please be gentle! I am the primary card holder (hubbie secondary) on a Halifax credit card. On 25th Feb I received a letter increasing our credit limit from 3,350 to 5,100. It was super timely as we had an unexpected cost come in (hubbie doing the right thing when a shopping trolley he lost…
-
Bank charges reclaim & statute of limitations
New to these forums so hope I haven't missed anything too obvious. I have a specific query regarding a reclaim for bank charges. The bank in question has cited the statute of limitations to avoid processing my claim & request for a list of charges under the data protection act, saying that they are only obliged to hold…
