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Help please, where do I start?
Hi all I arrived here from a Google search as been struggling with bank charges for the last few months. My charges are over £100 every month and they take the money whilst I'm in the emergency reserve of my overdraft, so I'm now stuck in a viscous cyclE and am really struggling. Now I've been reading everyone else's post…
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Extremely long PPI claim
Hi all, I wondered if anyone has had a long drawn out process as me. I started a PPI claim with a claims company. I went into it knowing that they take 20% of anything I get - I was happy with that as I don't have the time to do it myself. I also had to pay money up front to cover the claim process, for which I was…
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Vanquis PPI/RPI
Hello, I have an active card with Vanquis and wrote a letter to complain about PPI charges. They have responded to say I don't pay PPI but I pay RPI, Repayment Protection Insurance. I was sold this when I got the credit card out and I get charged each month depending on how much balance I have. I was told that I won't get…
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First direct
Recently wrote to First Direct with the MSE bank charge reclaim template with no information about when I had an account with FD. They wrote back to say that my account closed in September 2004 and that they did not keep statements to show the interest I was charged that far back. My question is has anyone else had this…
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Royal Bank Time Barring, is this allowed?
Just wondered if anyone had similar experience to me. Like many I was called into an advisers office and 'encouraged' to open a packaged bank account. Now realising I already had many of the benefits they were adding, and some I didn't need, and reading about problems with these accounts here and elsewhere, I complained to…
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PPi - Where to Start
Is there anywhere that I can find out what loans I have taken out. My wife use to deal with a money matters but sadly she died in 2004. Not long after I moved house and shredded a lot of the old paperwork as I didn't think I would need it again. I know we took out loans for cars and to consolidate debt in the 80's and 90's…
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Reclaim Egg PPI with no documentation
Please help. I've tried before with this but failed. I had a egg credit card and a loan and have no clue if I was misold PPI. I have no documentation and no idea of dates. Yep, I think it may be a lost case! If anyone can help then please do. I think I may have to go to a company to help.
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HSBC Bank charges reclaim
Hi, this is my first post in a forum so apologies if I have put in the wrong location or if this has been previously answered. in 2003 I took out a professional graduate loan with HSBC who had been my bank for many years before this. When my MA finished in 2007 I did not secure employment and could not cover the £350 a…
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Credit Card PPI Refund Amount - Sensible?
I wonder if anyone can help me out here? Almost four years after originally complaining, I recently won a claim for miss sold credit card PPI when the Financial Ombudsman ruled in my favour. Luckily, no claims firm was involved, and just before the regulation eight weeks had expired, my card provider sent me a cheque for…
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barclays additions
My claim got rejected. Barclays are saying that I asked for an additions account and because I used the overdraft I am not entitled to any money back. I told them that I asked for the packaged account to be stopped many times over the years and they refused saying I had to have an additions account. On the letter I…
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PPI Refund Offered: Bank Charges Too?
So several years ago I wrote to HSBC regarding several hundred pounds in bank charges, and was rejected. Today I received a letter from them saying I was being refunded £460 as a result of overpaying interest on a loan. Would it possible to put in my bank charges claim back in as a result of this?
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£10 cheque and template letter returned
Hi, On 17th April 2013(yes I know 2013) I sent a template letter requesting data from the RBS in Galashiels along with my account no. which I had closed earlier. Got a reply from Customer contact centre in Southend -on -sea saying because my account was no longer open they were unable to complete security checks. They…
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Pensions and National Insurance - advice sought
Would really appreciate some thoughts on a pretty sticky situation my mother has landed herself in. She's 61 and is five years off receiving her state pension. She is currently divorcing my father. My father was self employed and has his own business. After she married him, she worked for him as an employee. Essentially…
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Bank charges from old Abbey National now Santander
Hello I was wondering how I'd go about trying to claim back bank charges from the old Abbey National bank, now Santander. I had charges added to charges and a CCJ registered against me for the monies owed, which has now expired. Many thanks
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Claiming Bank Charges from an Account thats been sold on
Hello, Not sure if this is in the right section. Basically I am helping out a friend trying to get their finances sorted. They have a debt to Nationwide of about £450 which is purely made up of unpaid DD/SO fees etc. The account was sold to MKDP who I have found absolutely hopeless to deal with. My question is, is it worth…
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Barclays Additions claim rejected
I had paid for a number of years a Barclays additions account. My account was upgraded in branch at the counter in 2001 while I was withdrawing money i was advised that I needed to upgrade in order to keep my overdraft. To cut a long story short some years later about 2010 I realized that the account additions was not…
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barclays bank a/c charges
I applied for refund at barclays re monthly charge for my account. Sent MSE letter filled in a couple of forms from bank. Barclays telephoned me asked more questions week later had £2584 put in my account compensation!!!! RESULT thank you
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Packaged Account
Hi I wish to try and reclaim the charges I had on my Gold Account with Lloyds but I am unsure what the actual amount was as it was some years ago and from what dates. I sadly don't have the statements anymore but is there a way of finding out as if I ring Lloyds up they are not going to want to help me in anyway!!
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card issuers name changes
Hi Folks, I have finally got around to looking at PPI claims for credit cards I have had. The problem with some are that the issuers have changed names over the years, so I was hoping that someone could shed light on the following. On my credit report I have HSBC Finance 1999 - 2010. Now I had a Marbles card that I believe…
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Successfully reclaimed bank charges from Lloyds Bank!
I just wanted to let other members know that you can still be successful in reclaiming bank charges but, I suspect, only if you are in financial difficulty like I have been. (In 2011, I separated from my husband who went bankrupt and I have been struggling financially as a single mum.) Thanks to the MSE guidance on here, I…
