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Yet another newbie


richwhit1
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Hi all - i guess like most on this site I have been paying untold amounts to various banks, mortgage companies and credit cards for the last 15 years or so.

 

Having found this site initially from Money Saving Expert I'm truly hoping that at some point in the future I can claim some of it back.

 

This is my first post ever to a forum site and I apologise if I'm doing something wrong!!

 

I have been on the site all day reading FAQS and generally browsing other forums.

 

Please excuse my ignorance but I just want to check if I am able to claim credit card charge, charges incurred by mortgage company and also charges paid on current accounts??

 

My first query that I have is that I have one old account wirth First Direct where I know that most of the charges may have been incurred over 6 years ago. Am I correct in thinking that unless I can obtain statements from First Direct showing these charges I will be unable to claim them?? I will be writing to First Direct for my first claim so i get to know what I'm doing before persuing the other banks but I'm already nervous of writing to First Direct and only being provided with the last 6 tears statements when I need to be asking for all statements since the account opened.

 

Many thanks in advance for anyones help on this and he commences my long task ahead of me!!!

 

Richard

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Hi Rich, welcome to the forum.

 

I have been on the site all day reading FAQS and generally browsing other forums.

Spend at lest a couple of days reading the FAQs and the step by step guide in the library section. That will answer most of your questions.

 

Please excuse my ignorance but I just want to check if I am able to claim credit card charge, charges incurred by mortgage company and also charges paid on current accounts??

You can claim back any penalty charge as these are unlawful. You can't claim back any regular charge which is a charge for providing a service.

 

My first query that I have is that I have one old account wirth First Direct where I know that most of the charges may have been incurred over 6 years ago.

Any claim over six years runs into the statute of limitations. To get past that, you would have to prove, in court, that the bank deliberately misled you and kept the information from you.

Safer to limit it to the last six years.

 

Good luck with your claim.:)

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thanks so much for the info Rooster - i did say i was new to this!!!

 

although i thank you for your advices i guess its not the news i wanted as i dread to think of the amount of charges i incurred from 1991 to 2000 - guess i'm not going to be able to get any of these back- shame!!

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1991 to 2000 - guess i'm not going to be able to get any of these back- shame!!

 

Unfortunately, not easily, I'm afraid.:(

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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