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Does this work in the U.S.?
Does this work in the U.S.? Do you know of any U.S. websites on this subject? I know our banking and other laws are very similar, but I can't find any websites on it. I'm totally new on this subject, and not quite sure where to look in the laws, or what to search for... Help? :)
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Who to send a claim to at HSBC?
Hi guys, I have just completed my bank charges letter to HSBC. I can't believe over 2001 and 2002 i was charged £400 in bank charges and I never noticed!! Anyhow in another thread someone said to send the letter to: HSBC Bank plc 8 CANADA SQUARE LONDON E14 5HQ But is there a certain person or department it should be…
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Hit a snag!
On 29 Nov I posted a "reclaim bank charges" letter to RBS using the tracking service giving them 14 days to reply. A few days earlier, and at my request, the bank had sent me copy statements (for £10) showing all charges levied against me. When I'd heard nothing by mid Dec I rang them. They denied receiving the letter, but…
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HFC Bank Early Repayment Option Fee - legal?
Hi I bought a laptop for £650 from a Dixons (now Currys Digital) store and used the 9 months interest free. I have now repaid the full amount before the 9 months is up on the 20th of January 07. However I got a letter in saying they were charging £15 for paying early, is it legal to charge a customer for paying early…
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Natwest ruined my new year
Right. I have had ENOUGH of banks and financial institutions of any description. O.H. is running around the flat cleaning everything in sight to avoid chucking ME out of the window. Natwest assured me that I would be receiving my sizable pension payment this morning being the last working day before the new year. Even…
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i have a question!!
As I understand it you can only claim bank charges going back 6 years. On the date of sending a letter to my bank (Halifax) for copies of 6 years of statements one of the charges was 2 days under 6 years. The statements have since been received. Now I am sending the letter (Step 3) to claim the charges back, the charge…
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Current acct and credit card same bank
Looking for some help please, I have tried reading through the various forums but am addled LOL I have sent letters 1 and 2 to Lloyds TSB and am about to move on to the next stage with the small claims court. It has only just dawned on me that the letters for the bank charges and credit card charges have been going to two…
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Credit Card Charges
Ive written to Goldfish and Mint and after threatening with court proceedings they have offered me a partial refund based on the oft stating a charge should be no more than £12. Can i claim the whole amount back ??
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has anyone tried to claim back unfair bank charges from an NI bank?
With regard to martin's article on claiming back unfair bank charges: http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632, the legislation seems to point to england and scotland only. has anyone tried this with one of our "big four" yet? or is there some loophole that they can squirm out of it?…
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Finally claiming charges
Well I've finally got round to starting my claim for charges but thought I'd start with a small one, namely my Barclaycard, I've had to request all my charges since I opened the account in 2002 but the letter will be posted first thing tomorrow morning. Wish me luck.
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Unfair Bank Charges
Can anyone please help? I sent an initial letter to my bank asking them for a refund on all the unfair bank charges, they have now sent me a letter saying that they do not agree that the charges are unfair and have suggested that, if I am dissatisfied I can refer my complaint to the financial ombubsman service? and this…
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Calling All Protesters - Portsmouth, Hants
Hi Everyone, I am trying to organise a peaceful demonstration/ protest, and am looking for a few volunteers. Well a lot of volunteers actually. The aim is to protest about the illegal charges outside all the banks and building societies in Commercial Rd, Portsmouth. The proposed time and date is the morning of Saturday…
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Great Universal wont say they cannot go back morre than 6 Months??
Evening ( sorry about the title!) I phoned great universal (home shopping) today asking then to send me a copy of charges for the past 6 years. They say that this is in possible as they only keep records for 6 months!!!!!:eek: surley this is not correct.
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Can I claim back charges on an account that has already been closed down ?
Hi I had an account with GnatWest opened about five years ago that somehow managed to get into debt by only a few pound. (it was a basic solocard current account) A solo card transaction went through late, putting me into arrears. I was unemployed at the time and had no money, so could not pay it straight away. Within a…
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Can a get a debt consisting entirely of bank charges reduced?
Hello - I wonder if anyone can help me... I have an outstanding debt of about £500 that the Royal Bank of Scotland are chasing me for (actually being chased by a company in glasgow who say they are a debt collection agency working on behalf of RBS). They're ringing me everyday, it's been going on about a year, and I'm just…
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Urgent guidance please , simple question
HELP please , i am claiming bank charges back from Barclays Bank and have sent the 1st letter to them asking for monies back from them , they have replied stating basically no to my request surprise surprise , so i am just typing the letter telling them they have 7 days before i go to court , my problem is i just noticed…
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Direct Debits
Has anyone else had experience of their bank not closing down an insurance direct debit when it was asked to? I had an 'account review' at Lloyds TSB in Wrexham, several years ago. During this I was asked if I needed to keep the redundancy insurance I had with my mortgage, which was with C & G. I said no and asked could…
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Court Process started but wrong address? Lloyds TSB
Hi All, I hope you can help. Last night I issued a claim against Lloyds TSB for unfair bank charges. I have been using the address of: 125 Colmore Row Birmingham for all correspondance so that is where I have issued the court papers. However I have just read that you HAVE TO issue them to the companys registered address.…
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claiming back bank charges
I Think I Might Be Able To Claim Back Quite A Bit Of Money Back In Charges. You Say On Here Not To Claim More Than £5,000 To Stay In Small Claims Court So Here Is My Question. Can You Claim Say 6 Years Ago Uptil 3 Years Ago And Then After Claim From 3 Years Ago Until Now. Can Anybody Help With This Thanks
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Court Action - your help needed
I noticed that my court application had been acknowledged by the Halifax thereby extending the 14 day deadline to 28 days. 2 days later I received an offer from the Halifax equating to 33% of my total claim, which I have no intention of accepting. Is one option simply ignore this letter and wait for the end of the 28 day…