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Report Bank Charges successes and failures
Please report your Bank Charges Reclaiming Successes/failures since the Supreme Court decision in Nov 2009 here REMEMEBER BY DOING THIS YOU ENCOURAGE OTHERS WHO MAY BE TOO SCARED TO RECLAIM How to report your success/failure: 1. Click reply to enter you story. 2. Report your story in the following format: * Bank name: *…
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Reclaim Bank & Credit Card Charges sticky
💳 Here are some Forum threads you might find useful: * Credit Card Reclaiming Success Stories * Report Bank Charges successes and failures * Bank Charges Reclaiming Guide discussion * Credit Card Reclaiming Discussion 💷 And here's some relevant content from MoneySavingExpert.com: * Reclaim bank charges * Reclaim packaged…
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Studio catalogue refund
Just seeing if anyone else has had this. I got a letter today from Studio (catalogue) saying that i was due a refund because they had failed to do proper credit checks. This is an old account and for a couple of hundred pounds. Has anyone come across this?
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Bank keeps sending small compensation cheques on old debt? Confused?
My wife run up a debt of £6000 with HSBC, basically she had a small debt and then ignored the letters re charges and about £4000 were just late fess/bank charges in circa 2005. I found out, approached the bank gave them a £5000 settlement and heard no more. Recently she has received a cheque for £50 as compensation for her…
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Natwest overdraft charges offer
Hi to all, apologies if this is in the forum but I’m hoping someone with experience can help me? I have been significantly overdrawn with Natwest for the last 10 years after being pushed into a £9k overdraft which I could never get out of due to a number of personal things that happened to me over the years. I was getting…
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Lloyds Gold Packaged account refund
So my parents have had a good packaged account since 2001, when they went to the bank to get a loan to get a new kitchen. They walked out the bank with a remortgage (another story) and a packaged account, which at the time they believe we’re told it was necessary for the remortgage. Come about 2010 and they had only just…
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Rbs.. snowballing charges
Hi all Last night I spent some time looking through the last 6 year's statements and was shocked to total up the amount I have paid in charges. Not one month has passed when I haven't paid in excess of £25 interest for usage of my £2,000 student overdraft (now current account) plus £6 arranged overdraft fees and £6-£12…
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Bank smart trying to charge me!
Some advice needed please, A company called Bank Smart looked into some PPI claims for me back in 2013 and sent me paperwork for this which resulted in no valid PPI Claims. However I was then bombarded with paperwork asking if they can look into bank account charges etc which I was not happy to do. I left it as I had no…
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Why do banks allow unauthorised overdrafts anyway?
Apologies for starting a new thread but this is something I want to understand in relation to this whole charges and fairness or otherwise of "unauthorised overdrafts". Is there some kind of payments guarantee between various financial institutions that obliges a bank to make a payment even if that payment would take the…
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HSBC charges query
Just a quick question regarding debit interest applied to my HSBC account. I lodged a cheque into my account. Funds cleared as usual in three days. I withdrew some money and assumed everything was ok. Then i got a call from the person i recieved the cheque from to say his bank had asked HSBC to represent the cheque as they…
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Judgment entered - How long does the defendant get to pay up
I filed MCOL through website against Curve OS to reclaim bank fees. This was done on 09 September 2020. The claim was issued on 10 September 2020. Curve OS had till the 29 September 2020 to respond. They didn't respond. So I entered judgement on 30 Septemeber 2020. Judgement against Curve was issued on 01 October 2020. How…
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nationwide finally respond.
long story this one, so get comfy!! in november last year, a direct debit was cancelled in my sons account but nationwide still paid it. of course charges were incurred and he and i kept witing to them, going into the local branch etc, and it took months and months. finally they refunded some of the charges which by then…
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REFUND FOR SOLAR PANELS PURCHASED IN 2014
I purchased 16 panels from My Planet in 2014. I paid by cheque - a total of £10500. I enhanced the system in 2022/23 with Battery Storage costing a total of £11500. I have recently had a vall from a company stating that I can claim compensation as My Planet went into liquidation in 2016. They are offering a refund of the…
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Groupon - Section 75 and Chargeback Query
I recently asked my credit card company to raise a chargeback against Groupon for non delivery of what I ordered and it was impossible to get a positive outcome from Groupon. The credit card company responded stating as there was no "debtor-creditor-supplier" agreement in place they could not raise a chargeback or process…
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Fraudulent transactions - unable to cancel with vendor
I received two order confirmations from adidas showing purchased I had not made, with a delivery address I do not recognise. I tried to cancel the transactions with Amex but they were unable to do so as the transaction was pending but they blocked my card and said I could dispute the charges once they had been authorised.…
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Financial Ombudsman and Section 140A judicial review claims
Hi, I just wondered if anyone had any updates and/or general information on judicial review claims challenging how the FOS deal with complaints under section 140A of the consumer credit act? Brief background with regards to why I'm interested - I submitted a complaint against my bank to the FOS in August 2025, which was…
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Credit Card Scam - Bucharest
Hello All, New to the forums and just wondered if I could get some guidance. My nephew (28) and a group of his friends went to Bucharest for the weekend. It did involve a lot of alcohol. On his return, he found that £2700 had been taken from his Monzo card and £270 had been taken from his Santander card. One of his friends…
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Bank and fraud
Hi, We have a very frustrating bank fraud issue that we've had very little support from the bank with. About a fortnight ago my partner got a text message to say he didn't have enough money in his current account for a direct debit. He looked at his account and to his surprise £2866 had been taken by a name we didn't…
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TSB unauthorised overdraft
I’ve recently had contact from a debt collector about an unauthorised overdraft of £800 on an old account I had… so old I don’t have any details for and didn’t come up on a credit search when I started a new job. TSB claim there is nearly £800 overdraft used which was unauthorised yet how can they have allowed me to use so…
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Bank charges on fee free account
I have a NatWest fee free basic bank account. Unable to have an overdraft, credit cards etc.. on disability benefits which only get paid when DWP or UC days. I am being charged £1.55 every month I'm guessing for for few years, defo last 12 months. Why am I being charged for them taking money out the bank that's not there…
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US equivalent to section 75
Does anyone have any knowledge of what protection the US has similar to section 75 in the UK? Even a good link would help. My friend in California bought an iPhone on Amazon Renewed from a seller there (so not sold or shipped by Amazon). The seller stated that it was sent by FedEx and provided a tracking number. FedEx…
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Paypal currency conversion
Hi, not sure if this is the right thread but here goes! I have a GBP paypal account but I earn an amount of money in USD. After a google search I opened a Wise account to try to reduce the money lost to currency conversion. I couldn't find a way to link the Wise US account details to Paypal so I linked the card details…
