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Question about punitive charges
This question is not strictly about bank charges but I haven't found a more suitable forum to put it in. BT are trying to charge me £5 for late payment of my bill. It was paid late because I disputed a charge of £115 they applied for their engineer to visit my house and fix THEIR equipment - they refunded it but it took…
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quick question
I am about to send the 7 day letter warning my bank that i am going to issue through the courts. The address i have written to the banks from is my old address (parents address to be honest so i still get the correspondence.) Should i carry on using my old/parents address for the letter placing my bank on warning that i am…
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Capital One help
bit of background last used cap 1 card in 2005 but kept the account open, my account is in credit by £4, I am claiming back £1368 I sent them the LBA and the 7 days was up yesterday. I have no idea what to do now, ive had no offers from them. Do I leave it a few more days, phone them or start the court proceedings which i…
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Bank defending the claim
Hi I am claiming back £3000 from Natwest and have gone as far as starting the court process. The banks have decided to defend my claim and their solicitors have written to me but I dont really understand what they are saying, can anyone helps? Points made in their letter 1 - Without prejudice to the non-admission set out…
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How long to wait?????
Hi everybody! I am currently going through the motions of reclaiming my bank charges from HSBC. The 14 day deadline for the second letter is up tomorrow and i was all prepared to file my online claim first thing monday morning. However on Wednesday i recieved a polite letter from their customer services team, informing me…
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reclaiming bank charges
Hi everybody, is it possible to live without a bank account? This may sound like a really dumb question, but i want to claim back charges from Lloyds TSB, but a few years ago i had some real problems and ended up with a couple of CCJ's so i can't open a new bank account, so if claim back my charges and Lloyds decide to…
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can anybody help me? please
hi there, very new to this forum and site, have been intrigued at all the info and tips that are shared on here, i've just received my statements back from my bank (hsbc) and i'm astonished that my charges over the last 6 years come to £2000. I obviously want to take this further and hopefully reclaim this money and have…
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starting court claim help pleace
Hi im filing my claim online at money claim up untill this point iv been claiming for year 2000 in my letters to bank but have decided to drop yr 2000 this will reduce my claim by £3000 . can i just go ahead and file at court or do i need to send letter to bank telling them about the change.
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URGENT Help needed for Notice of Allocation to the Small Claims Track (Hearing)
Hello I am well down the road to reclaiming my partner's bank charges back for her. We have successfully asked for money from A&L and Halifax (got it back after using the MCOL option). However, these amounts were for small amounts. We are still claiming for a larger amount from Barclays (approx £2,500) and it has got to…
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New measures to prevent claiming charges
is this true?? my brother has just found out that i am reclaiming unfair charges, i have explained everything to him from what i have read off this site. he must be behind on with a CC payment as he just called he's bank to have an argument with them over the unfair charge for them to start stating, that now they call you…
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Help One Letter Or Two?
Hi I am in process of claiming bank charges back from RBS from two a/cs. Would you send my personal a/c from myself and joint a/c from my partner or just send a letter for both from me? Thanks in advance.
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Desperate Help Required , Ive Messed Up
Hello , i need some help please , i have received the alocation questionairre , Nationwide have entered the defence as 1. the defendant admits that the claimaint and my partner jointly opened an account known as flexaccount with the defendant on 11.10.04. 2. in or about january 2006 the account was transferred into the…
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NAT WEST - Love 'em!
Martin I thought you might be interested to know that Nat West (bless 'em!) have continually charge my husband, on his business account, £38 for missed direct debits and bounced cheques, not the £32 - £35 that's the norm. It makes me angry because we are struggling to stay afloat and they couldn't give a damn. Like a fool,…
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basic bank account no overdraft
Basically I have a bank account but it is not a current account and has no overdraft facility at all! After my friend recommended I claim my bank charges, I came on to print off the first template letter to send, but it says on there "I do not believe these charges reflect the true cost to [INSERT NAME OF BANK] of going…
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re-claiming from loan?
hi there I had a loan with a bank and i missed a few payments and then i cleared the loan within the 1st 18months of taking it out. My question is the early termination fee i had to pay and interest ontop can i claim this back?
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took bank to court
I sent the bank 2 letters before christmas requesting my money back, to which they said no and in the meantime they charged me more charges again. In my fury I started court proceedings with the additional costs and informed the bank of this in writing, when 2 days later they offered me the original amount to which I…
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Bank charges, defaults and debt collection arrangements
Hi! This is my first post, so I'm sorry to ask this if it's already been asked and answered:embarasse . I have a number of accounts with HSBC, on which I defaulted and are now closed. I am making regular payments to a collection agency (owned by HSBC, but v. different name) to pay off the debts. My concern is that if I try…
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starting my mcol, advice would be great!!
hi, i have copied and pasted this from the consumer action group forum, i have not had a reply to my post and thought one of you wonderful mse's might be able to help. i have never done anything like this befor and really want to get it right. thanks, v: well i have completed my mcol for but not yet sent it, i have a…
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Are they allowed to close your account without notice
Hi, My friend used to be a bank manager for Nat West, until 1994. He has told me that when he left, banks had to give 28days notice before closing an account, if their purpose was because they were unhappy with your conduct. Apparently (at that time), a bank could only close your account without notice, if the police asked…
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newbie needs help
hiya im a newbie i have sent 3 claims off (request statments stage) 1)abbey 2)natwest 3)nationwide when i send off the request for my money back (refund of charges) can i invoice them for the cost of the letters i have written???? if the banks do not pay can i act as my own bailiff????? (that would be so swwweeeett…