I recieved an outright rejection from Lloyds today, they didn't even make a halfway offer and basically don't seem to aknowledge any responsibility. Is this common practise for Lloyds. I've settled with barclays and capital one with no hassle at all. Would like to hear from anyone who as settled with Lloyds or could offer any further advice. Cheers.

Apologies in advance for posting within this forum but I couldn't find a specific thread related to Capital One. Still I hope someone may be able to help. I recieved a reply from Capital one today regarding my claim. They have reduced all my charges, £20 a time to £12 per charge and have agreed to pay me the difference. They however claim this £12 charge is a fair one and this is why they have refused to refund the full amount. Unsure what I should do now. Are the £12 charges regarded as fair in the eyes of the law? Should I persue the full refund? Any advice welcome. Cheers.

I didn't hold too much hope for claiming the cash advance fees. i just found the annual charge unusual as it was never charged before or since and it only occured whilst I was over my cedit limit!

Hi Not entirely sure this is in the correct forum so may well be removed but i couldn't find any relevent forum for morethan/Lloyds tsb credit card. Just received my statements and going through them. Just reallly to clear up some of the not so obvious charges that I could actually claim back. There is an "annual charge" for £15 which appears in 2003 when I was over my credit limit but hasn't been charged since and I was also wondering if you can claim cash advance fees which range between £1.50 and £3 for cash withdrawals on a credit card? I'm only looking at about £300 but then it is my money right!!!!! Bring it on!

Do the banks tend to send the statements at the end of the 30 day time limit? It's just I haven't even had any letters of aknowledgment and wondered if there's anything else I need to do at this stage or is it just a case of sitting tight and waiting for the statements to come through?

I was looking to hear from anyone who may have a similar experience of this Resolve loan with Barclays Bank. As the Overdraft was converted to a loan with a new account number should I make 2 seperate claims or put them altogether? And if I do make two seprate claims would the claim for the interest charges on the loan go to the standard address or to a seperate debt management department within Barclays. Apologies, i'm not the most patient person. And I haven't even received my statements yet. A long way to go!! Lol

bump

Thanks guys. I'll keep you posted once my statements arrive.

Hi all. Like most people I heard about the opportunity to reclaim past bank charges from a close friend. He recently successfully reclaimed £2300 from HSBC. His story more than got my attention so naturally I’ve being doing some research into my own banking history. I currently bank with Barclays and sent the standard first letter requesting a summary of past charges on the 18th Jan. But before I pursue my claim I really need some advice and can’t find anything similar to my situation on any of the threads. I’ll explain my story to the best of my ability and hope someone out there can offer me some much needed advice. I originally opened my account with Barclays as a student account when I started university (1999). Sadly I was one of those students that had no value of money and my account was very poorly managed. Hence charges, Hence my eagerness to claim!! But this is where I need some real help with my claim. After a couple of years of Barclays eagerness to increase my overdraft at every given opportunity I found myself several hundred pounds over my latest agreed overdraft limit and as a result was incurring heavy charges. At this time(2003) after failing to graduate and finding myself unemployed I was struggling to get back within the agreed overdraft limit. For every pound I seemed to make back I seemed to be charged double that!!! Frankly a sorry state of affairs. I agreed to meet a Barclays personal banker to try and sort this mess out once and for all. As I was ineligible for a postgraduate loan the only way Barclays said they could rectify the situation was via what they called a “resolve loan”. This was at an extortionate 17.9% APR and they calculated I could only realistically afford minimum repayments of £38 per month. I agree my financial awareness was totally inept at the time hence the mess I was in, but I did know enough to realise this would take a long time to pay off under this arrangement. However I was reassured before signing, should my circumstances change for the better I could increase the payments. I agreed to the loan as a result of this. It was little after this time I begin my career and started to find myself in the world and get my finances back on track. With time I totally forgot about the loan and didn’t notice these monthly repayments that were debited from my account. It wasn’t until late last year when looking to get onto the property ladder I decided to review the situation and get rid of this debt once and for all. I was horrified when looking at the online statements of the loan just how little I’d paid off in over 3 years and just how crippling the 17.9%APR interest charges actually were. I immediately sent a letter requesting to increase the repayments to £200 per month. I received a letter shortly after stating this was not possible as I’d agreed to the minimum payments for the duration of the loan and the only answer was to pay the debt off in one payment (not possible). So this is where I find myself at present. Absolutely fuming that I allowed myself to be manipulated into taking a loan I didn’t want to take in the first place and I feel that I agreed to under false pretences. I can’t help but feel grievance towards Barclays for the fact I probably wouldn’t have required this so called “resolve loan” had it not been for the charges they incurred that resulted in my increasing debt. On reflection I can’t help but feel exploited by Barclays for my vulnerable financial position at the time. Now I’m hoping this won’t have any implication when reclaiming my bank charges but as a result of those charges what chance would I have of reclaiming the 17.9% interest charges on the resolve loan. Which under the current agreement will result in Barclays making a healthy profit and more than doubling my original debt. I need to be 100% clear in how this could effect my claim and whether I do actually have a case before I send my second letter stating my intentions. Am I best of just trying to claim my charges and not complicating the matter or do I have a case to reclaim the interest charges on the loan which are a direct result of the initial charges. Please HELP!!!