Reclaim bank & credit card charges

Back in 2003 until about 2006 I was in serious financial trouble, I was going over my overdraft, having bank charges for returned items and I couldn't see the light of day...I had maxed out my credit cards and I was also getting charges on the unpaid items and to top it all I was chased by debt collectors and had numerous…

Hi, I received a reasonable amount back from RBS 2 days ago after I complained about mis-sold packaged fees. The letter detailing the refund arrived today and it turns out that while they don't dispute and in fact sincerely apologise for the fees charged from 2000 - 2012 (Royalties Gold) they disputed my claim for fees…

Me and my husband have 4 accounts between us with lloyds tsb with joint over drafts amounting to roughly £2000 we both work and receive benefits for our severly sight impaired child. We pay out between £50-£60 a month in over draft charges we never go over our over draft but still incur these monthly fees. My question is…

Some 12 years ago in my much youth I was silly enough to take out a store/credit card called 'Style' This was run by I believe RBOS. I have spend quite a lot of time of this board reading claim from years ago against them and I have discovered that Style is no longer in business and haven't been for some years. From what I…

Hi, Any advice would be greatly appreciated. Over the years, I've had a couple of loans and a credit card with TSB and Lloyds/TSB. I have no idea if I ever had PPI, and have no record of the account numbers of these loans or credit card (I no longer have the credit card either), as they were several years go. How can I…

Hi , i am a Financial Adviser but i need the above please. I have a friend who is a 83 year old partially sighted widow who is getting hideous stick from Barclays. She has no immediate family and just a few friends. She has one account which over the last year has built up a overdrawn amount of £1,000 of which £750 is made…

Hello I would like to reclaim my bank fees as I am sure I was mis-sold after reading Martin's guide. The only problem is I can't open the template letter due to not having Word. Can anyone copy and paste it for me please? Thanks in advance.

Hi all, I have an old debt with Natwest which I remember I was once a couple of quid overdrawn and after not touching the account for a while I had accumulated bank charges of over £700, I remember several years ago while that account was still open I talked with the bank manager in December who said my only option was to…

Hello I am currently living and working in Saudi Arabia , each month I send 90% of my salary home , after bills there is cash left over so when I go home before the start of the next tax year can I open an isa and put spare cash in .

Can anyone advise me if I can reclaim PPI on joint accounts & credit cards held with a former partner who is now deceased. I have all paperwork/we were never married/we have a daughter who received payouts for 3 Insurance policies into an Estate account opened for this purpose then subsequently closed...didn't consider PPI…

Back in March 2013 I was contacted by a ppi company called red reclaims , they bambarded me will a ppi speil that would of convinced the best of sceptics. The person I dealt with spoke very fast with a Welsh accent - before I knew it he had me varifying myself with a £1 out of my bank account, he spoke about charges I told…

hi everyone, as the title suggests. i was wondering if the same can be done with the charges that student loans charge for missing a payment/arrears etc?

I applica for an interest only mortgage back in 2004 and four years later i realised i was paying a Monthly figure of 65 pounds or so that according to mortgage seller ( i had to have to protect my mortgage ) but when i checked papers it said on it ...( life insurance ) which i never was informed of that Being sold to me…

Hi I had a RBS royalties gold account.I am now in going through the above company to get back the money i spent on this account. has anyone on here had any dealings with them,good or bad. i have their paperwork here but have not signed anything yet,its a no win no fee.They have told me that no money will come out of my…

Hi all. A good new story, just been paid back £5000 by Barclays for a miss sold ppi on my bank account going back to the year 2000. I was only expecting £1000 from my calculations. The FOS helped a huge amount, so no need for the PPI claim companies. You can do it yourself with the templates on the Mse website. Many many…

Hello New here, so please be kind :) A few years ago I had a bank account with the Halifax, I ran up a very large overdraft and incurred approx. £800 in bank charges. I tried to claim them back but they said they would only pay it to the account, which had been sold to a debt collection agency. Stupidly, I did not take it…

I've seen a lot of people have had success in reclaiming their account fees repaid , just wanted to know if anyone had any luck in claiming their account fee back on the Graduate Additions account. I've been paying £7pm for the past 8 years, I don't even know what benefits I get with this. Also I finished my studies 6…

Hi, I recently saw a full page advert in last Fridays Metro regarding mis sold life policies from various financial companies. I have been paying into a critical illness/income protection policy with some life cover for the last 18 years or so from one of these companies and I am now unsure as to whether I was mis sold my…

So, we used a claims company for a number of PPI claims. The first one came back with about £4000 just before Christmas. They'd already sent us a letter to initiate the claim, but we passed that to the claims company to use. A short time later, the PPI claim was paid directly to us as a result (I assume) of a claim we…

Yesterday I received a phone call from a FOS adjudicator to say my claim against NATWEST for my old packaged bank account was a success. It will be 12 months in March from my first letter to the Natwest so its taken a while but worth it. Refund to be paid back £1284. I added my ex partner approx six months after I opened…