thank you - I will think about it in that case.

we did, but I now don't believe the loan was that preferential...

Could anyone point me in the right direction to try and reclaim package fees. We were sold this account to obtain a preferential rate on a loan but have not used the benefits otherwise. We have had the account since about 2000 - can claims go back that far and should I write to NatWest asking for all fees and charges on this account since the account was openend? Many thanks

Thank you

Having used this site previously and knowing how great the advice is can i ask how to go about a claim with Picture Finance- the loan is paid off but i understand they are now out of business. Is that the end of any claim with them? I am about to start a claim against Capital One as until i started lookiing at this for Picture i didn't realise i had been paying this on my credit card too. I know i should look at the statements more carefully. Do I need to send a SAR to them as i have all of the statements? Thanks for any and all advice:wink:

Having previously used this brilliant site to reclaim bank charges I am now going to try to reclaim PPI. Trouble is I don't really understand it. I know for sure that my Capital One credit card charges me PPI monthly and I am certain that I didn't request this - i thought it was something i had to have with the card (duh!). I have 7 years worth of statements so do I need to do a SAR? How then do i calculate what to claim back. I am sure some kind soul will point me in the direction of a step by step guide. Many thanks for any and all assistance.

Excellent! Well done! Could I just ask where you wrote to to get your statements - I've looked under the Barclays contact addresses but there's loads of stuff on there and not all about contact addresses!! Good luck with Capital One - they will pay up in the end - just settled mine with them. The Barclaycard belongs to the OH. Congrats again

Thanks everyone - I will make sure the account is clear and cheque is in the bank before writing to the Court. Thanks again for all the brilliant support!! :) :)

GUESS WHAT.............................letter from Capital One today saying they have cleared my card balance and will be sending me a cheque for the difference and would I please write to the Court to say they have paid up and claim s settled!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Even so they still make the point that they do not agree that their charges are unfair....... Thanks all - donation on it's way next pay day! :grin: :grin: :grin: :grin: :grin: :grin:

Thank you! I'm just Little Miss Doubtful!!!!! Glad it worked out for you!

Thanks for support guys! :grin: It helps having people confirm you are doing ok. I had the papers back from Court yesterday and Cap One have until 19 to file a defence. Do you think they will or will they pay up? Interesting I had a general order as well saying that perhaps the parties might like to consider whether the case should be stayed pending outcome of oft.............. Considered it .....nah, don't think so. Cap One can't insist that the case is stayed can they as it is credit card NOT bank charges.

No - haven't had a chance to phone but I have written to the Court. It is difficult for me to ring from work. Will post it here when I find out - I've a suspicion they have stayed it.

Many thanks for the support - starting to doubt that this is going to work. If it comes off I will be free of credit card debt!!!!!!!:grin:

Sent my claim to Court on 14 Feb - they have cashed my cheque but I have heard nothing from them. Should i chase them or do you think they've held it with the bank charges? I am right in thinking that we can go for credit card charges and it is just the bank charges that are all stayed?????? Beginning to doubt everything..........

Well done you - you deserve a BIG drink to celebrate now! Hopefully I will win too.

Thank you - I can actually afford to do this then! Thanks again x:)

Right - ready to go with my N1 - how much does it cost to file this at the Court? Claim is for around £900. Thanks for any help!!

Thank you - that's my evening sorted then filling in the N1. Thanks again. x

Hello all! I made a start claiming charges back from Capital One and had the usual letters of offers of "goodwill" (yeh right!) which I refused back in November. What with Christmas and all I couldn't afford to put in to Court but now I can do so - do I have do start at the begining again and allow the time scale to run or can I now put in my claim to Court? Any and all advice VERY gratefully received. Thanks in anticipation! TA

Have you been into the branch. My daughter had exactly the same thing - £38 charge for being £2.38 in the red for one day! I went into the local branch with her and explained what had happened and as a gesture of goodwill and as a once in a lifetime offer they cancelled the charge. Might be worth a go.

I think go with the second letter and keep to the timetable with that. No need to accept anything less than the full amount due to you!!!!

Thanks again Micky - will look around for the various posts on the subject and read up first. Good luck with your claim - just read your post - 2nd letter should be fine. Will keep all informed on this thread re. chasing back to 1992!

Thanks Micky! I think I will give it a try - see if I can at least get the information. You get a bit fired up about all this don't you! Tx

Good morning! So Gnat West hold details back to 1992 do they? Does that mean although I have successfully reclaimed 6 years worth of charges at the begining of the year I could still claim back 8 years to 1992? If they've still got my money I want it back! Or because a claim was settled is that my lot? Any advice?

Absolutely!!!!! I cannot believe that the banks get away with this - I have felt like the most incompetent person ever when dealing with the bank and it sure feels good to hit back and realise that if they didn't make such high charges I wouldn't have been the financial wreck that I have been over the last few years.......... Whinge over!