Reclaim Unfair Bank Charges Discussion Area

Edinburghlass_2

brownowl wrote:

Received my statements back today (day 29) from the alliance & leicester.

Got straight to work on the tallying up, to my amazement the final total is £2368.50 + £314.16 interest.

Anybody had any experiences with the A&L?

Fiona

http://forums.moneysavingexpert.com/showthread.html?t=304752

Edinburghlass_2

newcook wrote:

bump bump!!

Can I just say there is nothing that causes more annoyance than someone bumping a thread for an answer after only 20 minutes

Thread here for Cahoot...

http://forums.moneysavingexpert.com/showthread.html?t=354527

brownowl_2

Edinburghlass wrote:

http://forums.moneysavingexpert.com/showthread.html?t=304752

Thank you. Edinburghlass.

Edinburghlass_2

megscaits wrote:

Just sent my second letter today asking for £2500. Has anybody had any joy with Lloyds TSB ? :rolleyes:

Quite a few..

http://forums.moneysavingexpert.com/showthread.html?t=303917

pigsmightfly

Well after my success with reclaiming my charges back from Halifax, and been in the middle of claiming for charges on my current credit card accounts, I thought I would start on my closed accounts.

I got an up-to-date copy of my credit report and went through all the accounts on there and sent letters to each company requesting statements so I am now also claiming from the following:

Capital One (2 accounts)
Mint
GE Capital (various store card accounts)
Littlewoods
Freemans
Grattan
Egg
Barclaycard
Natwest

Looking at this list I realise how stupid I was when I turned 18 and thought it would be fund to get cards! :mad:

Oh well - lets hope I get something back from them

Has anyone has any dealings with any of the above?

newcook

Edinburghlass wrote:

Can I just say there is nothing that causes more annoyance than someone bumping a thread for an answer after only 20 minutes

Thread here for Cahoot...

http://forums.moneysavingexpert.com/showthread.html?t=354527

Sorry for bumping and thank you for the link - I didn't realize it had only been 20 mins - I only bumped it as I know how busy it gets on here - (not making excuses x) I'm normally a lot more disciplined when waiting for an answer

ategid

I had a credit card with RBS defaulted and account was passed on to a collection agency. Can I go after the card company directly for the charges before they transfered the account to the agency.

fegan2401

Hiya, I'm an avid reader of all moneysavingexpert threads but this is the first time i have asked a question. Please bear with me.

Could anyone tell me if i could claim my bank charges from the Clydesdale Bank. This is in Scotland so i don't know if this makes a difference.

Any help would be appreciated.

Thanks

KellyB

I have a couple of questions.

I posted in the Lloyds thread about them being complete idiots (http://forums.moneysavingexpert.com/showthread.html?p=3955770#post3955770 & http://forums.moneysavingexpert.com/showthread.html?p=3972117#post3972117) ...anyway...

I've sent my second letter to them and have recieved the standard reply about me agreeing to charges when my account was setup etc....

I'm now proceeding onto the next letter threatening them with court action.
My questions are:

1. Since sending the first letter, they have charged me a further £165. Can I add this on to the total amount (as a revised figure)?

2. They have taken charges out of my benefits. Should I do the seperate thing whereby I send them a letter telling them I have first "dibs" or wait until this proceeding is complete? Because I'm overdrawn (as they refuse to stop charging me, therefore a snowball effect has generated) and the only money going in is my benefit, how do I pay the charges off?

3. I believe the bank has actually worsened my financial situation due to several factors. Where can I complain to?

Help would be appreciated!

Thanks

KellyB

fegan2401 wrote:

Hiya, I'm an avid reader of all moneysavingexpert threads but this is the first time i have asked a question. Please bear with me.

Could anyone tell me if i could claim my bank charges from the Clydesdale Bank. This is in Scotland so i don't know if this makes a difference.

Any help would be appreciated.

Thanks

Yep, you can but you can only go back 5 years. In England it's 6 years.

hth,