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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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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…
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Bank charges limit - advice on how to claim
Hello, I'll try to be as clear as possible! I have researched on this site, but I am still unsure if I am eligible etc. Looking for guidance really! In 2011, I was made redundant. At the time, I had already amassed student debt on my Halifax account, which I was paying off monthly. I was on JSA for the next couple of years…
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PPI rejected 3 years ago
Hi can someone please advise: I sent a letter to my bank (Clydesdale) 3 years ago asking for a refund on my PPI, they rejected this, they enclosed a copy of my application. I have since found out that as nobody explained what I was signing for then I should have been eligible for a refund. It has also been brought to my…
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PPI claim
Hi can someone help me with this? I left UK in 2009 and came back in 2013. Upon my return, i found out about PPI claims but am not sure if I qualify or how to go about making claims as I am no longer with the same bank, no longer have the same credit and store cards and I have changed address thus don't have anything to…
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Advice on Mortgage PPI
Was contemplating putting in a claim on mortgage PPI. Although my mortgage finished in 2013. Essentially, when I originally applied for my mortgage with the Leeds permanent in 1992, I was told by them that in order to take the mortgage out I had to take two of their products, so I took out Buildings Insurance and mortgage…
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Sentinel CPP - Maiden Name
Hi, I know there is a thread, but it seems to be discussing and not really any feedback, so not sure if this is the best method of asking the question. The CPP is through my wife's lloyds tsb card (now tsb). I was oblivious to this until we received the letter the other week, into the bargain not the greatest on these…
