 I have a debt in collections is there a way that I can pay the origanal bill & not have any dealing w/ agency? |
When paying off debts is it possible to pay off the person who the debt is w/ instead of paying the collection agency>?
I have a hospital debt and they gave it to a collection agency. I... |
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 Sister using us as a co-signer? |
| My sister in law is 19 and going to college. Her Mom is trying to get my husband and I to co-sign a loan for her because the parents and all 3 siblings have bad credit. I asked why they can't ... |
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 I paid off a Credit card 7 years ago, closing it, now a debt collecotor is calling me on it? What can I do? |
| This has showed up on my credit report for years as paid in full, now the account has fallen off my credit report due to time passing. I ask them to provide me proof of the bill, or a contact number ... |
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 I have recently gone through a divorce and want my name off of joint accounts...? |
| My ex uses an account that affects my credit, my name is still on this account. Any ideas on how I can get my name off this account?? Thanks!... |
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 How can I use my credit card's benefits without the credit card companies making any profit? |
| I just was approved for both an AMEX blue credit card and a Chase Freedom credit card. Can anyone give me strategies that work while dealing with the credit card companies. I always payoff my debt at ... |
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 Is amazon a safe site? please answer!? |
Ok soo...My dad doesnt trust his credit card number with
any internet sites at all! I believe amazon is a good site because my friends order stuff from it ALL the time. I'm not a big ... |
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 Does opening a bank account and continually putting money into it without taking it out establish credit? |
| I opened an account and I want to know: if I keep putting money into it and rarely take any out, does this establish credit? If not, how can I? A person said something about purchasing something at a ... |
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| e.g., if your mortgate is 747. then you add property taxes, and homeowners insurance making the payment 1242. do you pay the 1242 or the 747?... |
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 Debt help? what to do?? bills, rent etc? |
| I have somehow got my self into about £15000 worth of debt with creditors, on top of that i have now fallen behind with my bills and owe two months on my rent... Where do i stand and what can i do?... |
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 Can I get a loan with bad credit? NO PAYDAY LOANS! I need a gauranteed loan. $10,000.? |
| I can't get a loan from anyone because I have bad credit..made a few bad choices in the past, and still getting penalized. I need a second chance. Please no S... |
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 HELP! what is the max time a creditor has to collect on a debt.? |
| I had a creditor contact me via mail regarding a passed due balance from 1990. to be honest I don't know if I ever even had an account with them.....They are threatening to attach my credit if I... |
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 Can credit card debt be passed on after you die? |
| It is my understanding that unsecured debt can not be passed on to your spouse or children when you die. I work in the credit industry and when assisting a client who's husband or wife has ... |
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Kevin N | Has anyone ever tried to claim their unfair bank charges back and have been successful? |
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 |
 
claimbankchargesback
 |
Yes, Personally I claimed back over £1000 and have helped many more people to claim back thousands of pounds in charges.
However, there is currently a hold on bank charge claims which has been in place since the end of August. This is because the OFT are taking the banks to the high court to decide once and for all if bank charges are unlawful. The case is scheduled to start at the end of January 2008, and is expected to run for a year.
If the OFT win then it will be quicker and easier to get bank charges back, and everyone will be able to successfully get their charges back. However, if the banks win then it will mean the end of bank charge claims.
Because the high court case will create a final legaly binding ruling, the FSA have granted a hold to the banks on dealing with claims, until the results of the case are announced.
If you still want to claim, then its a good idea to do so now, so that it will be dealt with quicker if the OFT win. At this stage, all you need to do is to write a letter to the banks head office asking for your charges back, and this should be sent by recorded delivery.
The bank will then acknowledge and log your claim, and then it will be placed on hold.
For more information on how to claim, and the latest news about the current situation, have a look at me website below which is kept up to date with everything happening with bank charge claims.
The site is free to use! |
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pinky
 |
my hubby, £ 35 quid admin charges |
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sammy jo
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I'm in the process of doing it and just waiting for the banks and courts to settle |
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Ellie.
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Mines on hold until the court case but to be honest im not hopeful!!!!! |
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nickynoodles33
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Yes - it was with Barclays and we got £3250.00!!! Mind you, I think there is some sort of closing date now?? |
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vikki w
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my bank charged me £25 for been 19p overdrawn i rang them and had a fit saying how stupid over 19p so they gave me my money back ,i ring as soon as ive been charged(not very often lol) |
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Peace Yo
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Yes. Go straight to the top ~ bank manager or asst manager ~ and ask them to refund your charges in person. On the phone they have a bit more courage to deny your request but in person they are likely to cave in to your demands.
If necessary, talk loud so other customers can hear your conversation. *hehe* |
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david b
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loads of people have my mate got £4000 |
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sexxyscotlass
 |
my bf has claimed his back more then a few times with royal bank of scotland ,he just tells them he is changing banks and they do it ,though when he is charged he has only been acouple of pence under |
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leowin1948
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At the time of opening of account the bank might have disclosed their charges for various services.If the debit is in accordance with the disclosed charges nothing can be done.However if the bank has overcharged ie,above disclosed rate,you can get refund.Normally if you write to them ,they will refund.Still if you dont get refund you have to proceed legally.
The banks know that most of the people do not fight even if they are overcharged. |
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gingerlatic
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my brother got £1200 back
magy -you are wrong. the charges are actually illegal in that the banks are not allowed by law to make a profit from them, so by charging anything more than £3 or£4 they are breaking the law, making their terms unenforceable. fact. |
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magy
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I don't know, but if the fees were disclosed to you when you opened the account you're probably SOL. You can't agree to them at first, then complain when they show up.
I am posting from the US, so if you are in another country, I can't offer any advice. In the US you can legally be charged fees, if they are disclosed up front. |
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