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Reclaim Bank Charges even if no longer in Debt
Hi I am interested in reclaiming my old bank charges from roughly 2008-2012. My criteria from that period of time fits perfectly with the financial hardship criteria. I have in the last couple of years managed to get myself out of the cycle of debt that can in part be blamed on bank charges, so I no longer fit into the…
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Capital One - Unreasonable Evidence
I recently cancelled a credit card with Capital One and they sent me a letter confirming they were cancelling the Payment Protection which prompted me to send a claim for PPI. They have sent me a questionnaire to complete, however they are asking for evidence of my contract of employment from 1999 to confirm my employer…
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Advice on dealing with HSBC
Hi all I finally got myself together to send my letter off to HSBC requesting 6 years of bank charges. I work in the arts and have been self employed since I was 25 and still dealing with a lot of university debt (I am nearly free of that now). Gaps in work, clients being slow in paying me meant that I was often in a tight…
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Strange direct debit
Good morning! £121.00 was debited from my bank account. I do not know where is this for. The description on the bank statement was only BILLS Does anyone have a clue who took the money? Thanks
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Norwich & Peterborough - Outgoings letter
Hi, My sister has sent N&P the template letter claiming hardship as per the forum and she is in hardship as much as I help. She has had a response from N&P asking her to fill in a form for her outgoings and asking how she manages to live? Has anyone else had this? What happened, has anyone had it with another bank? Her…
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Lloyds still piling on overdraft charges even though I’m in a debt management plan
Recently I tried to reclaim overdraft and interest charges from Lloyds on the grounds of financial difficulty, which they refused, even though I have been in a debt management plan with Step Change since 2011. I have been paying £5 a month towards the overdraft, but their fees amount to £12 a month, so the overdraft has…
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mbna and halifax cc ppi
I have found some old credit card statements from the Halifax going back to the early to mid 90's showing I was paying ppi on my cc balance each month Also I know I was paying it on an mbna cc from the late 90's to early 2000's and on big cc balances so would of been big amounts each month I have had a look on mbna and…
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5 years worth of Bank charges
Hello 5 years ago I walked into a bank and they signed me up to a silver account which means I am entitled to certain rewards, well when I sat and looked through the terms and conditions I decided that I would cancel this so went back to the bank and the same guy agreed to cancel my application. Now I know it is a bit…
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reclaim bank charges
Hi everyone - hoping for some advice....I've seen you can now try to claim bank charges if you are suffering from financial hardship? basically i have 14 months old twins, and for about a year we have really been struggling with money. In fact we have consistently ended up over our overdraft limit and as such been given…
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Lloyds TSB credit card PPI query
Does anyone know if the PPI was pre ticked on old credit card applications with the TSB? I have had my credit card since 1996 and I am pretty sure it was given me at an account review in branch when I went in to get a loan which also had ppi on it. I don't remember any mention of ppi for the card I was just asked to sign…
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Using a CMC
Hi, I am new to this forum and apologise if this has already been covered elsewhere. If a claim for PPI is rejected, can I then use a CMC and try again? Thanks
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M&S PPI -change Storecard to Credit Card and added PPI
I am new to posting on the forum but I have been using it quite a while. I applied for PPI refund on my M&S storecard and was rejected however I know that they changed my storecard to a m&s credit card without me applying for it they also transferred my PPI onto my credit card (without me asking them to do so) I did not…
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Cancellation of Credit card machine contract, hefty charges HELP!
My sister was doing party plan and signed up to have a credit card machine so she could offer this method of payment to customers. She asked the rep if there was a cancellation fee and he said NO. She then stopped doing the parties and hence cancelled the machine only to be told there was a huge £170 charge and that it was…
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Reclaiming Lloyds Bank Premier Account charges
Good morning. My husband and I are in the process of writing to Lloyds to reclaim bank charges BUT I have a question. When we got married, in July 2010, my husbands Premier account became our joint account. When phoning Lloyds bank, they have said their records only go back to 2010. We would like to take this claim back…
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PPI and NHS staff
Someone has told me that banks shouldn't have offered PPI to NHS employees. Is this correct and if so, presumably as an NHS employee I can submit a claim on that basis. I still have PPI on my credit card but as it was so long ago can't recall if I was mis-sold or not. I also recall something about not cancelling the PPI…
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Lloyds Bank Charges Refund Rejected
Good morning, I have had a refund request (on my girlfriends behalf) rejected by Lloyds with them making a £60 "goodwill gesture". The initial letter sent to Lloyds was requesting a total of £3114.64 and £1315.67 in interest. Please can someone advise on which charges are worth pursuing further: 1) O/D usage fees, O/D…
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Old TSB loans
Hi peeps. Just a quick one. In 1994 & 1995 I took loans out with TSB (before they joined lloyds) & I'm pretty sure I was mis-sold PPI. I Know it's a long time ago but I'll give it a try. My question is-who do I write to? Lloyds (who I've still got an account with) or TSB who've recently started up again. HELP! :)
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Packaged Bank Accounts
I took out a Packaged Bank Account in 2002. During this time I have used it twice for car breakdown. I feel this account was pushed onto me. Can I still claim even though I used it for car breakdown. I have never used the travel insurance, or mobile phone cover.
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No help from Natwest
Hi, I am trying to claim back Advantage Gold monthly fees for being miss sold the account when I opened it. However I opened the account in 1997 and I downgraded my account seven/eight years ago when I opened another account. I keep the Natwest one as my emergency one. I telephoned them yesterday to find out what date to…
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NatWest Advantage Gold - Help please
I lodged a complaint via telephone this morning to say that I downgraded from Advantage Gold at a review meeting in March 09 after I had recently been made redundant with my then relationship manager. It was established that I had no need for the account. I was advised that it had been open since 1999 and I thought the…