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Lloyds monthly charge
Bit of a long story. Trying to help a cousin who lives a distance away and has fallen on hard times. He's on UC, struggling last 2 years. I send food parcels at times and try to advise and help in lots of ways. I won't go into all of them but though he's intelligent I think he's quite dysfunctional, and by the sounds of…
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Old mobile bill affecting credit file.
A friend of mine is looking to get a mortgage but cannot due to a credit file blacklist that has been imposed by O2. A few years ago his son racked up a large bill on a mobile game which he did notice until after the 14 day cooling-off period. He has contacted apple and o2 multiple times for a refund but has sadly been…
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Financial Ombudsman Claims
Since following the debt camel site and raising multiple affordability complaints, I have recently come up against the six year issue several times; it is like companies use this clause to their advantage and as the Financial Ombudsman Service (FOS) Investigator have favoured the company, I have requested that it has been…
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PokerStars refusing refund, as are PayPal
This may be the wrong thread, but I couldn’t find a more appropriate place to put this: I recently signed up to PokerStars having played a lot of free money tournaments previously on another app. When signing up there was no mention of a requirement for personal financial information, something I would have refused, just a…
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Direct Debit Indemnity for a closed bank account
Hi all, Does anyone know whether closing a bank account means the bank do not have to support a direct debit indemnity claim? The direct debit in question has been paid every month for 13 months, but turns out it wasn’t my bill (water). my new bank that I switched to have raised 8 of the payments with an indemnity claim no…
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My gullible friend lost $75 to a swishing attempt on his Paypal account: Crafty scammer tactics!
Just received a text from +441677423518 stating my PayPal is blocked for "security reasons", apparently I bought something from a website that is flagged as a fraudulent site. They're asking for a $75 "unblock fee" and want me to call +447500936299. 🚫📵 Scammers are getting crafty. When I log into my account it seems all is…
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Indemnity clawback direct debit
So basically what i would like to do is a direct debit indemnity clawback however for the period i want to cover I have since moved banks and have been moved a few months now! Does anybody know if it is possible to do this with a now closed account and have the money forwarded to your new account please 🤔🤔
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Fraud paid From Debit card
Hello, I have been a victim of fraud, i bought the tickets for qatar airways online, and the person was using the name of the website e-dreams due to which the person asked our card details and I told the person and paid for the tickets of £800. my conversation with the person was on whatsapp and after the payment he…
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Methods, tricks to deal with a continuous payment authority (CPA
The CPA, Recurring card payments is explained in herehttps://www.moneysavingexpert.com/banking/recurring-payments/e.g If you've given your long debit or credit card number when paying for a subscription or other repeat service, it's likely you've set up a continuous payment authority (CPA). Unlike DDs and SOs,The CPA is…
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coop bank failure
we had a coop bank account in 1992 -95 , i got made redundant and the account kept going into overdraft , from what i can remember around £3000 in total charges now my new wages kept going in but were nowhere near to keep up to date with charges of £75 month and interest arrears , paying out around £400 month, we ended up…
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How far back can bank charge claims realistically go back?
Hi, have only just recently realised that I may actually have been put into hardship years ago due to ongoing back charges after "reminiscing" about my younger years with friends. The MSE site says 6 years is the statute of limitation, but people have had success for older claims. Mine would be much further than 6 years…
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Tax on Compensatory Interest
I am wondering if there is a way to reclaim the 20% deducted from the Compensatory Interest I received after a successful award from Natwest? Natwest were ordered to refund all interest charged, and this included the 8% Statutory Interest. They deducted 20% tax from this, but would it be possible to reclaim this from HMRC?…
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Scam via money transfer organisation
Our daughter was scammed by someone posing as Blue Arrow Recruitment into moving £2000 from her UK bank account into WISE (not a bank) from where it was transferred into the scammers account. Is the UK bank liable for reimbursing her?
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Santander have stolen my money
Hello I was wondering if you could help me, I recently have borrowed some money from a family member to the sum of £7000. The money did not clear straight away and I was informed the ‘back office’ would need to clear it. Fast forward a day and it then stated my account was blocked and to call the help desk. Called the help…
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TSB Sent wrong person refund
Hi, I received a letter from TSB stating that I was due a refund from previous charges/interest however that because I was in a trust deed, they had sent the cheque to my Trustee. However I completed my TD and was discharged over a year ago, so the cheque should have been sent to me. TSB are being very unhelpful and saying…
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Reclaiming Packaged Bank Account Fees
Hello all, first post on here! I've just been reading the page about reclaiming packaged bank account fees, and I can see that there is the Resolver tool for getting the ball rolling. However, my first problem is that I can't remember when I originally opened the account, or even if I had a different one to begin with, and…
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Carpenters law doesn’t release my compensation
Dear all, I hope I am posting this in the right section, apologies if not. I am a customer of Aviva car insurance. Last November I was involved in a not at fault accident (someone smashed in the back of my car). The car was written off and Aviva referred me, without my asking for it, to their partner carpenters law. They…
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Large Amount Transferred Abroad - The Fault is Ours, But Bank Could Have Done More?
Sold my late mother's house recently, and went to the bank to transfer my siblings their share. The issue is with the amount I transferred to my older brother in Switzerland... I checked the account yesterday and the money had gone out, but then straight back in again, minus almost £5k. I phoned the bank (I don't know what…
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Bank of Ireland tracker mortgage scandal
Hi, My wife and I were customers with the Bank of Ireland during the financial crisis of 2008 onwards, we had a tracker mortgage with the bank until we received a letter from them telling us they were selling the mortgage to another company, we had about six weeks to act on this. I understand this practice became subject…
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Direct Debit mistake by Radio Times
My latest half yearly payment has been taken twice. I have spoken to Radio Times about it on four occasions, each time they have acknowledged their mistake and promised a refund but it never comes. What can i do ?