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Do Hardship Rules Apply To Me?
I was a single parent employed P/T up to the end of 2007, then had loads of hassle with HB and ended up with rent arrears, leading to me being evicted (my daughter turned 18 and moved out a couple of months earlier, so she was ok thankfully). I had gotten quite a few bank charges during this time as well (over roughly 18…
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can i claim ppi from welcome finance
Hi new on here i had a car and personel loan from welcome finance over 10 years ago have not got any papper work or nothing is there any way i can make a claim for ppi or check to see if i paid any ppi. unsure if wasting my time.If i can claim any idea how i would go about this any help is great. please excuse spelling and…
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PPI refund based on zero balance
Hi - I have just received a letter from halifax with an offer for my PPI claim - the offer however is for only £88 as the breakdown States it is based on a balance of zero on 31/5/1996. I used this card a lot and took out a loan at the time to repay this and an overdraft so how can they base my claim on a zero amount on…
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bank charges
Thank you Martin! I followed all your advice and used your templates to reclaim bank charges from Barclays.......£4,100 returned without fuss! Thank you SO much. I urge others to follow suit.
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Monthly bank charge
Firstly sorry if this has been asked before I was told yesterday that if your bank charge for your account it's possible to claim it back My bank charges me £6.50 a month for my account, as far as I'm aware they've charged from day one. I've had the account 28 years. How do I find out how long they have been charging me ?…
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Bank charges investigation
Hi first post after some advice or guidance in the next step. So after being overdrawn for 14 years on overdrafts I never asked for started when I was 17 with a 50 overdraft then they have me a 150 overdraft then 250 then I got a bank loan an within a couple weeks of that they gave me a 750 overdraft dispite clearly…
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unaware of ppi on credit card & when it was needed, put on min repayment plan
Hi this is my first post, hopefully it's in the right place. My partner agreed to a company finding out if he had ppi as he didn't think he'd ever had it. Turned out he had ppi on a credit card - he realised during the time he had it he had an accident and wasn't able to work or repay the card, when he informed credit card…
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Lloyds Bank Charges
Hi All, I have recently been trying to sort out my financial life and so far have been quite successful thankfully and to you guys for the help and again I need some more... I have read on here that it is sometimes possible to claim back part of the charges that a bank made on your account if you went overdrawn or missed…
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Aaaaaargh!!!!
Six years ago I went to Lloyds bank three times, explained my worsening financial situation and that I had a DMP so my budget was very tight and their charges weren't helping. The response I got was that they couldn't give me a overdraft until my account was in credit for six months and perhaps Ishould think about reducing…
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Category for reclaiming
Hi, I am new to MSE so I hope my post makes sense! My story is that I accrued a substantial amount of debt in my younger years which culminated in a debt repayment plan in 2010. Then in 2013 I inherited an amount of money which enabled me to pay off all of my debts with the help of payplan. During my worst financial times,…
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Can I reclaim bank charges in my situation?
I am with lloyds bank, I have a £2000 planned overdraft, every month I pay high charges for this and need to try and get rid of the overdraft ASAP. I also have a premier account which you can't buy anymore, to get the added benefits like phone insurance. I have heard that it's possible to claim bank charges? Would i be…
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My bank ruined my life
Hi guys I believe my bank has been systematically ripping me off since I first approaced them for an overdraft when I was about 18 They repeatedly sold me loans I couldn't afford and added ppi. Trapped me in a cycle of debt with extortionate overdraft charges. Miss sold packaged bank accounts. Broke data protection laws on…
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Barclays Premier Life
Hi, My partner has a Barclays Premier Life account, which she pays £25 a month for. She used to have a different account with an overdraft and was being charged monthly for that. Barclays put their overdraft charges up at the time and she was told that if she signed up to the premier life account, it would cost her less a…
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Very old PPI
Can anyone advise me please? in 1999 I took out PPI with Cheltenham & Gloucester on a £58,99 interest only mortgage. I was told by the broker that I would not get the loan unless I took out PPI as I was in a new job. The monthly premium was £29.45 per month. I had to claim on the policy as I became ill and unable to work.…
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Deleted
Apologies, don't know how to delete the thread
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How can I check if I had PPI
I had a number of loans over many years for car purchase I cannot remember who loans where with as we are going back years. Sometimes they were with the Dealership. I have also swopped cards a lot so cannot remember where and when. That is why I am considering a CMC one of my colleagues used one and got quite a bit back. I…
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Nationwide - unpaid direct debit fee - no warning letter
Hi I have searched this excellent site and also Google but haven't come up with anything and was wondering if anyone out there could answer my qucik question: I have just been "fined" by Nationwide for an unpaid direct debit from last month (my fault I know) but I had absolutley no wanring letter or anything from…
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PPI claim firms.
Was lied to by banks about PPI due to me.Thanks to claim firms my wife and I now have over20.000 pounds which is rightfully ours.Has anyone else experienced this?
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Research forgotten credit card and loan providers
I am sure I am not the first person to ask this question, but I have had quite a few different credit cards and loans over the years and cannot remember all of them. I am wondering whether there is any way of tracing which cards and loans I have had, and the providers? Is there some kind of official register somewhere? Can…
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rejected hardship claim help needed
Hello everyone, Firstly a bit about me my oh left his job after many years and we moved to be close to a sick family member. During this time we hit rock bottom had to claim benefits to tie us over. My bank have been charging me for being over planned overdraft swallowing up my child benefit. i was over planned over draft…
