Reclaim Unfair Bank Charges Discussion Area

xanadu2

I posted in this forum earlier today, and included my username xanadu2 so I could find my post with a search if neccessary. So where is it?

My boyfriend needs a parachute account before he reclaims his bank charges from Barclays, but he is always in the red, so wonders how to get one that will let him use his overdraft all the time.

Thanks a lot.

Xanadu2.

youcrazyboy

I also need a parachute account (Claiming 1200 from HSBC), and although I have no debt (other than a 1250 overdraft)have a disastrous credit rating & am recently unemployed so no monthly money coming in at the moment. Any Suggestions? Even of a savings type account that I can deposit a few pounds & have a cash card? Especially one I can register online.(I have some savings abroad I can deposit).

Many many thanks

rosie_19

Edinburghlass wrote:

Welcome to anyone coming to this brand new board after reading Martin's updated article on the Main Site

To any users who haven't had an answer to their question on the old discussion thread please feel free to place it here and hopefully someone will have an answer for you.

If you want to ask a question about a specific bank please check the boards to see if you can find a dedicated thread to your bank and pop your question on there.

Don't forget to put your Success story on this thread when you complete your claim and good luck.

what do you mean / check the boards?/

nickmack

rosie_19 wrote:

what do you mean / check the boards?/

The Reclaim your bank charges forum should have threads for all the major banks. You can also use the search facility to check for keywords pertaining to your query.

Edinburghlass_2

GeCon wrote:

I have just noticed that I have been charged £12 late payment fee as I should have made a repayment on my CC 4 days ago. Can anyone please advise whether this is lawful or not? I have already made the repayment now and was effectively only 4 days late.

Any help would be much appreciated.

You can still claim back for these £12 late payment charges although the cc company will no doubt dispute this.

Edinburghlass_2

youcrazyboy wrote:

I also need a parachute account (Claiming 1200 from HSBC), and although I have no debt (other than a 1250 overdraft)have a disastrous credit rating & am recently unemployed so no monthly money coming in at the moment. Any Suggestions? Even of a savings type account that I can deposit a few pounds & have a cash card? Especially one I can register online.(I have some savings abroad I can deposit).

Many many thanks

The Budgeting and Current Account Board is where you'll find all the threads regarding finding a new account.

Basic Bank Account

CitiBank

Edinburghlass_2

smiffie01 wrote:

:money: I also have an Advantage Gold account with Natwest, on your bank statements it will show as charges, mine also had interest with the charges, I claimed for both charges and Interest then I put the total on the calculator and this worked out the interest of 8%. I had an offer from Natwest which I have sent a letter by special delivery (you do not need to sign for a recorded delivery anymore) refusing the offer. Try and set up another account with another bank as Natwest have said they may close my account if I refuse the offer.
You can also claim for charges to your debit card if they are unlawful charges. Hope this is helpful info for you.:money:

Just read this post again and I wonder if your offer for half what you claimed is actually a more accurate reflection of what you are due as according to your posts you seem to have added in the normal overdraft interest charges along with the Advantage Gold charges. As regards the 8% interest the banks will not include this in any offer they make as this will only be included when/if a case comes to court.

If you are with NatWest with an Advantage Gold/Blue account, please read this thread...

http://forums.moneysavingexpert.com/showthread.html?t=337348

hollydays

I am about to write to Lloyds to request details of any sole accounts held in my name,now closed( i no longer bank with them).As i need to enclose £10,should i also request the charges at the same time,or should i pay £10 ,get the account numbers,then write back and pay £10 again?

Rex_Mundi

hollydays wrote:

I am about to write to Lloyds to request details of any sole accounts held in my name,now closed( i no longer bank with them).As i need to enclose £10,should i also request the charges at the same time,or should i pay £10 ,get the account numbers,then write back and pay £10 again?

You only pay £10 to get your information. You dont pay anything when you ask them to refund your charges.

One letter, all your account numbers, and one £10 fee is OK to get all the information the bank has on your accounts.

hollydays

And is this letter ok then,in 2 parts,first part requesting details of any closed accounts in my name,( and/or former married name,though they had the change of name document when i legally reverted to my maiden name).Also giving my previous address where i originally held the sole account.Enclose my d.o.b.,

second part,as the template requesting charges,and enclosing £10.Have i missed anything?

Do i have to send any i/d?