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Destinyofsouls

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Everything posted by Destinyofsouls

  1. I see now that HSBC are calkling their charges 'arrangement fee' instead of total charges. Are these still reclaimable??
  2. The branch instead of the registered addresss? I have 4 claims but one has reg office in Scotland and I don't want to send it there Thanks
  3. Interesting, i'd like to know too
  4. Martin, I am new to this site and still reading after 3 days all the threads to make sure I know what I am doing. Could you please explain what this means?
  5. yes. court papers must be filled in with her name as claimant, but you can have papers sent to you with the Lof A
  6. Hi Sherlock You need a letter of Authority that your wife will sign and you saend to the bank. Similar to: Please accept this letter as undisputed authority for Mr xxxxx to act on my behalf in connection with reclaiming bank charges applied to my account over the last 6 yrs Confidential information can be released from any relevant filing system in accordance with my rights under the Data Protection Act. Please send any information that Mr xxx asks for until otherwise notified in writing signed Mrs xxxxxxxxxxxxxxxxxxxxxxxxx
  7. So do you think the 'o/d arrangement fee' from HSBC would still be classed as 'unlawful'? Surely as well, just an increase in o/d rate of int. is no big deal as long as it is paid off relatively quickly? Much cheaper than £30 each time? But what will they do about bouncing cheques, refusing D/D's and so on?
  8. The OFT have annoubced that they will ban the charges from banks later this year. HSBC have changed their o/d charges. They will now charge a ' overdraft fee of up to £25 for going over the o/d limit' ( Is that not the same with a different title?) RBS- Nat west have put up their o/d interest rate to 17.44 % & LLoyds TSB to 18.3 %. The banks will introduce new 'fees' to combat the increasing number of people claiming back charges, or will no longer have any kind of overdraft in place. What are your thoughts? I am gutted! I was enjoying getting my own back at these people
  9. Thankx jax ( hope you don't mind me being informal on our fist post together ) Good luck with your claim !
  10. Hi, I have just spent the last week looking around this site to try and get the hang of things, and I'm afraid there is a BIG problem.................. ... It's too damn addictive!!! :grin: Anyway, started to take the plunge with Halifax. Tried to start a new thread on Hal. site but it won't let me post. Can anyone tell me what Debit under Advice is on my statements ( £33) The charge for unpaid chq/d/d is the same charge but itemised differently Are these reclaimable? ( debit under advice I mean) Just posted this on welcome site as I couldnt post here b4. Sorry for the deja Vu posting:confused:
  11. Hi, I have just spent the last week looking arounbd this site to try and get the hang of things, and I'm afraid there is a BIG problem..................... It's too damn addictive!!! Anyway, started to take the plunge with Halifax. Tried to start a new thread on Hal. site but it won't let me post. Can anyone tell me what Debit under Advice is on my statements ( £33) The charge for unpaid chq/d/d is the same charge but itemised differently Are these reclaimable? ( debit under advice I mean)
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