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Expected more than I've been offered
Hi I have just received a letter from Barclays who are dealing with my old Egg card claim. They have only offered me £64.41 should I accept it? They say I only paid £36 but I dont know if this is true. Should I take it or challenge it? Thanks in advance
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Tesco Credit Card Cardholder Protection Plan
On my husbands credit card statement he is charged around £40 each month for Cardholder Protection PLan. We no longer use this card but are paying it off. The CPP is a substantial amount each month and I wondered if there is anyway my husband can cancel it as we have never used it. Any help appreciated.
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monthly bank charges
Hi all, ive been with my bank for around 15 years and 'upgraded' to a pay monthly account around 5 years ago. I did this as a result of going to the bank for a loan and they rejected me and said a pay monthly account would help my credit score. They also said it was the only way i could get a visa/debit card aswell. If i…
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Tsb bank charges and overdraft HELLPPP
Hello, I hope someone can help. I have got into a viscous circle with my overdraft. I am paying around 50-80£ in charges for my silver account and over draft/intrest fees per month. I kept going over drawn so I ended up keep extending my over draft which tsb kept allowing and is now £2800 It is the only thing I struggle to…
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Lloyds overdraft excess charges
I had an overdraft with Lloyds TSB which I am still paying back and the balance is now £3277 (the account has been closed for some time). The original amount was over £4000 which included around £1800 of bank charges. The charges were mainly my fault through failed payment arrangements whereby the limit would decrease each…
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Natwest Credit & Current Account Charges Claim
I've been trying to claim back credit card overlimit fees and other penalty charges, as well as current account penalty charges. I spoke to the bank on the phone and wrote letters at various occasions, not using templates. They refunded 180 pounds on one of my credit cards but none on the other credit cards and current…
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Bank charges reclaim and hardship
I have been involved with a dmp for six years now, and have been repaying money each month to six seperate creditors. Following an annual review I checked all statements and found that on four of the creditors I have repaid far more than the original debt. Yet despite this I am still repaying what is interest and charges.…
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Debt management and claiming charges back
Hi I am currently repaying my debts through a debt management company. They have agreed lower repayments to my creditors and I pay them a set amount each month which they distribiute to my creditors and save the rest for making full and final payments at a lower amount. I wanted to claim back the bank charges on my (now…
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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…
