I opened an account in 2007 with Lloyds bank whilst I was 16 years old and living in the south of the country with my girlfriend at the time. I then moved back to the north of the country but did not change my home address and all my mail was withheld from me for about a year. I had gone overdrawn on my account by £5.40 and did not know of this because my mail was being withheld and had no cause for concern. (I should have changed my address). September 2008 I received a letter from Lloyds TSB demanding I pay £479.03 of the £679.03 balance in full in a couple of weeks. Due to my financial situation I was unable to pay. In October 2008 I received a letter from a solicitors demanding that I pay the full amount £686.69 outstanding balance. They also state in the letter that if the payment was not paid in full I would receive a CCJ, which inevitably happened. I chose to bury my head in the sand at this point only being young and unable to make such a massive payment upfront. Later in January 2015 I set up a repayment plan of £5 a week to Lowel and managed to get the outstanding balance of £767.72 down to £162.72 thus paying £605. On my credit report it states that I have had a CCJ. What I am wondering is, what is the likelihood of reclaiming these charges? What steps do I need to take to reclaim? Will the CCJ be attached to my credit history permanently? Any other advise would be most appreciated.

Hello all, I am hoping to get some advice as to how to proceed with my complaint regarding barclays bank charges on my account. My history: Since my original account was upgraded to a First Additions account in 2006 with a personal overdraft I was under the impression at the time that increasing my overdraft limit incurred fee's onto the account and was paying initially £5 per month until upgrading in 2006 with a larger limit for £11.50 per month. My account was upgraded again to £14.50 a month (additions plus), and i cannot recall if this was automatic or whether I was given an option at some point by a barclays staff member. I can assure you that I did not need any of the packaged services on each of these account; did not use any of the services provided as I wasnt even aware of them until finding out on online banking which is when I phoned barclays to remove all of them, as I was unable to over the internet - upon speaking to an advisor at barclays I explained that all I wanted was an overdraft and I wasnt happy that I was paying for services that I didnt need... He then referred me to the complaints department and after many weeks I have been given a lengthy questionnaire regarding an 'initial investigation' conducted by Barclays. I note in the questionnaire notes it states: "You held a non-fee paying account from July 2002, until you upgraded in July 2006 indicating you were aware of the account and that it was not necessary to pay a fee in order to have a current account" I would like to note that this account was opened with my Grandad at the time, as he introduced me to Barclays originally and I was merely present and not fully understanding of the circumstances. The investigation notes go on to say "You used your overdraft after you upgraded your account and this shows that you were aware that you had this facility as part of your packaged bank account". "You previously had an overdraft which you used before you upgraded in 2006. This shows that you were aware of the benefits of this account and that it is not necessary to pay a fee in order to have a current account with an Overdraft". The extent of the 'products & services' that were bolted onto these accounts were unknown to me at the time, and over the years bumped up the monthly fee's from £5 to almost £15.00 - I stress again that these services aside from not being disclosed to me, were practically useless for me in the circumstances that I was in and most therefore rendered useless. I feel that the response from Barclays indicates that they feel I should have known about the cause of these charges, without entertaining the fact that I was not fully informed about the product I was being sold. I wanted an overdraft with an increased limit, that was all. I really hope I can get some advice on how I should proceed with this case, do I fill the questionairre in and send it back? They have said they will proceed with the investigation using their information without me returning it either way... Thankyou in advance for your help. Jason

Looking at my info it is obvious I can claim PPI from banks etc below but I do not have account numbers for everything. I have not moved house and I have a pretty good idea of when various mortgages started/stopped and same other loans etc. Is it worth adapting the SAR with relevant years?

Hi I put a claim to the Ombudsman for the return of fees for my Advantage Gold account after months of wrangling with the bank over its perceived mis-sale which the bank denied. However I received a letter from the Ombudsman who has advised that whilst they haven't looked at my case or paperwork yet the bank wants to make me an offer which constitutes of the return of my fees plus interest, less any benefit I received for the preferential loan and overdraft rates I received. Thats fine as it stands. However I want a lot more than that if redress is supposed to put me back in a position I would have been had I not paid those Service fees. If I do a running total on the account from the account start, the bank hypothetically owed me £85 in Service fees before they applied a lending charge of £25 to the account. If you remove that charge and add subsequent Service Fees, the next charge of £35 was again more than covered by what the bank is now prepared to return to me in Service Fees. When you continue in this vein all of my bank charges are wiped out and i believe should be returned to me with interest. In short we are talking about a reconstruction of the account. I hope this makes sense. Now I believe Lou Lou probably benefited from having a running total of Services charges which facilitated the return of her bank charges which her bank returned. However, this occurred without the intervention of the Ombudsman and my bank having previously kicked up a fuss will not want to pay me 20 x what they are offering. (Which would be the outcome) I believe the Ombudsman would be reluctant to do the same given that they have recommended that I take the offer as they believe it to be fair My questions are below: Has anybody benefited from this approach from an adjudication via the Ombudsman before when they got or sought redress? If this level of redress has been declined by the bank and or the Ombudsman, has it been tested in court and if so what were the outcomes? Other than Lou Lou on another site do we know of any other cases out there where the accounts were reconstructed and lending charges returned? The Ombudsman as not actually come up with an adjudication as yet and has asked that I wait for the bank to get back in contact with me. I am asking the above questions in anticipation of receiving contact from the bank and I just need to determine my next steps. Do we have any Advantage Gold/Ombudsman/redress specialists on this forum who can answer my questions? If so, please do! Thank you

Hello I see that there are a few new threads on here regarding county court papers filed by the DCA companies I have jus received one in the post today from Arrow global with regards to an old 02 account for £473.53 Date of default 8/10/2011 This account will be statute barred in Nov of this year I now have to defend it, so what would be my best response please This o2 debt has been passed around a couple of DCA in the past 5 years and 6 months Thank you

Hi, I bought some items from Thomann.de in December last year. Paid by Paypal. Got 'Payment accepted' notice and items arrived. A few weeks ago I get an e-mail from Thomann asking me to pay an outstanding balance. I thought it was some sort of phishing [problem], but after checking it out, everything seemed legit. I replied asking them what I owed them money for (at this point still assuming the order that was completed 4 months ago was, indeed, completed..) Apparently, my Paypal payment didn't go through at the time, but they sent the items anyway and opened an account.... I never received the supposed e-mail, and (as I pointed out in my reply) never responded to give this the OK... Thomann clearly weren't happy with that response as the next message contained a threat of a debt collection agency: In my response, I expressed my disappointment in them so readily resorting to threats, but also continued on the path to resolution: That was sent to them on Thursday (13th April). All the correspondence above were on the same day with messages about an hour apart. Today I get an e-mail from debt collectors.... I responded immediately with: Then I started searching the net for advice and found this place. Probably should have done that the other way round! So, where do you think I stand on all this? I think the two resolution offers I gave to Thomann are more than fair and reasonable considering the circumstances. They clearly disagree, but surely they don't have the right to pass onto a debt collector at this point?? edit: Forgot to add, the amount is £87.52

Hi, I'm hoping someone here will be able to help. I'm at my wits end. On Wednesday last week the police turned up at my house and arrested me on suspicion of fraud. (A complaint made by my sister and about which I was interviewed on Saturday - I've done nothing wrong and hopefully that is what the result will be) On Thursday morning my Housing Benefit was paid into my account and I was able to use my account. By Thursday afternoon the money had vanished. I couldn't get hold of my bank immediately so I transferred my savings (only £100) into the account - assuming it was just an error - so I could pay for the food shopping. That money has never arrived either. I contacted the bank Thursday PM and was told the money was there, it was just 'not transactable' and they couldn't tell me why. Friday was bank holiday. I called again Saturday and was told the same thing. Then two more closed days. I called again this morning and was told the same thing and my child benefit that should have gone in this morning has now also not arrived. (well it has, I just can't access it) Strangely the balance that was already on the account was untouched and I was able to use that. (only about £50 which has now gone) I'm a single mum and it's the school holidays. I haven't been able to do any food shopping, take my son out, or anything and I'm now down to my last £8 with all my bills to pay. I have no idea what to do! No one will tell me anything. Has this come from the police? Is this something the bank have done by themselves? I have almost completely run out of food now and I have no idea what I'm going to do to feed my son. Can anyone shed any light?

Initially i was excited about having a new bank on the high street. They market themselves as different to the others and I fell for it. Now i'm stuck in a situation that's really running me down mentally. On Tuesday, I noticed that there were a number of transactions leaving my account for a gambling site I hold an account with that I didn't authorise. I spoke to their live chat who locked my account and asked me to report the transactions to the police and my bank as it was believed to have been hacked. I report the transactions to Metro Bank as soon as i could and spoke to the local police who gave me an action fraud reference number. The employee at Metro Bank was very polite and said he would investigate as soon as he could. Because the amount of money was quite substantial, I also emailed a customer service head I have had previous contact with. A few hours later i get a call from a man at Metro Bank who says "Well, I can see you gamble often". I then tried to steer the conversation back to the fraud and he says "I can contact them, but if i find out these transactions are yours then i'll be closing your account". I agree (I mean, i didn't make these transactions and i was very clear that I had used this site in the past). I shoot an email to the customer service manager again who emails back saying he has listened to the call and he was merely informing me of the process (He didn't really inform me, it felt more like a thinly veiled accusation but ho hum). Next morning i get a call from the same guy at Metro Bank saying he had heard back from the online casino and they have my name and address (Remember, I did tell them i had opened account with them in the past). They then say they have a record of my IP address that i use for Online Banking on their system. Again, I don't dispute this. He then asks me to explain why that might be. I indicated to him again that I had opened the account in the past. He then says that it sounded like an excuse, he believed i was trying to defraud the bank so he would be closing my account. I asked him why he wasn't listening to me and to speak to a manager, His response was that he had already spoken to his manager so there was no one for me to speak to. Again, I email the customer service manager asking for an explanation, He then sends over a final response saying he agrees with the commercial decision made to close my account based on the IP match and that I had gambling transactions in the past and he couldn't think of why someone would hack a gambling site account... Now, I understand how on the surface it would seem like a quite clear cut response. Usually you would expect someone to play against the house and get the winnings back into their account. But the gambling site in question specialises in Poker. Now, There are well known cases where poker players have had their accounts hacked and funds drained from their linked cards. How they do this is by playing on a table with another player and losing bad hands on purpose to transfer the funds into another account. To safeguard against this, The sites tell you to speak to the bank and to the police so they can open a fraud investigation and also lock the funds from the poker network. I've now had to open a case with the ombudsman and i'm in a panic as i don't have any money for my rent, nor do i have a banking facility anymore. I've gone and applied for an account with another bank as an urgent action but i'm still down a lot of funds and i do not have the facility to dispute the transaction if the account has been closed. The ombudsman reckon it will take weeks/months to have any kind of response. Does anyone have any suggestion as to where i can go from here? The gambling site in question has said they would co-operate with the bank should a fraud or dispute be opened. Unfortunately i've been feeling really low and anxious as a result of the disgusting treatment i've had from their staff. They were not professional in the way they were talking to me in any way. I've tried emailing the CEO about this and they've referred me back to the final response. Not to try an make this case over emotional but the depression experienced from this experience nearly got the better of me a few nights ago so naturally i'm very reluctant to deal with it any more but i know if i don't do anything then things will get worse for me. I would strongly advise that everybody avoid using Metro Bank for these reasons but i would welcome any suggestions on what i can do to speed the process up or anything i might be missing.

Hi there, I'm 55 and have a personal pension plan that has a value of £17600. Up until our disabled child was born I worked full time, when he was born I had to give up my job to become his carer. During this period of adjustment to our new financial situation we incurred some debt - £13000. I thought great, I can take it all as a lump sum and we can clear the debt... only we are in receipt of tax credits since our joint income, husband and my carers allowance = £21,000 per annum. However I've since realised that by doing this £75% of the lump sum will have to declared as income so basically will affect out tax credit award. So we would pay the debt off but have no tax credit income. So not really a viable option. The other option is to take the 25% tax free lump sum (to get the leaky roof fixed) and put the rest into the retirement savings account to pay the debt when I retire. If I do this, how will this this saving account be viewed for tax credit purposes. Will it still count as income even though we don't draw any money from it. It will be invested but could fluctuate wither up or down. Thanks in advance

Just when I thought I am getting everything in order here comes Lowells with a Pre-legal assessment letter. How funny they are sending a letter for an account that was settled. It was an old account that I had with BT which is also SB'd as last payment was made in 2010 (disputed termination fees which was settled). I sent them a letter to say that I do not owe them or BT any money and they are trying obtain money by fraud.

My partner has had a letter regarding WTC. They are pushing her to open a bank account. She has been using a post office account for child benefit and wtc for many years now. Has anyone here had the same? is there a reason for it! usually is regarding dwp/hmrc. EDIT: Forgot to say we already have bank accounts but my partner has always liked using the post office one for budgeting etc. Tia

Hi, Today my partner received a letter from Lowell's Finance telling her she owed a very large amount of money on a Littlewoods account. She has had a Littlewoods account in the past but it was paid up and closed about two years ago. So now we are left in a weird position, this money has accrued and we haven't had any post about it before now, from Lowell's or Littlewoods. We can't remember any log-in information, and when we try to recover the forgotten password with my partners email, it tells us there is no account existing with that email address. We don't know if it's some kind of mistake, or we have been the victims of fraud for over a year. But it's definitely not us that have used this account, and now I'm worried that we have been left with a bill and our credit affected because someone else has opened a Littlewoods account in my partners name. Any advice would be much appreciated.

Hey, just wanting to know where I stand. Let me start with saying i'm no newbie to computers and this wasn't a case of me giving away my login details via some [problem]/phishing email. I have more than 20 years computer/internet experience under my belt and even have no use for anti-virus software (put it this way, I know to avoid anything which might gain me a virus and know the system registry and background tasks like the back of my hand). My ebay account has been up and running for just over 15 years without a problem. eBay has always been fine for me. To cut it short, the past few days the money in my bank didn't quite add up. Something was pending for £30. I guessed it might just be their systems catching up. I had a look at my eBay account and shocking to me was a purchase done a few days ago for a computer game priced at £30. I knew it wasn't me or anyone else I knew who made that purchase. Some cheeky sod has well and truly defrauded me out of money. They bought the game (which includes a download code and a disc). They read the eBay inbox message with the download code, redeemed it and got the disc (which is useless as the code has been redeemed) dispatched to my old address that was still saved on my account. They even tried to hide the fact by paying for it, not out of my linked PayPal account direct (which shows on my PayPal account transactions), but via my debit card saved on my eBay account (that processes through PayPal but doesn't show up in my PayPal transactions history). The only way I can imagine this happened was because of ebay's 2014 data breach and now how frequently they require someone to change their password. About a week ago I logged into my eBay account (via a typed address) and was forced to change my password. My current password was secure (7 digits long, 2 capital and 1 non capital letter), but as I would struggle to remember another similar password, I used a basic password I used to use 10 years ago. It's possible that login/password combo was saved by a bot all those years ago and was detected as being my new password and the account was accessed. Where do I stand now? It shows on my bank account as card payment to paypal. The bank have cancelled my card and i'm guessing they could do a chargeback that will likely cause me fees with PayPal and a suspended account. Will PayPal/eBay refund this? Considering the voucher would have been redeemed by now. Thanks

I recently sent a claim form to reclaim the PPI and other charges that I had with House of Fraser store card which then belonged to GE. Santander now deals with it, and after many letters they have agreed to send me the refund. However, the letter is about 4 pages, and it says I cannot claim interest charges and other charges because of the time limit. I know it was from 1999-2009 and it has been a long time. If I were to send the letter can someone have a look at it please. They said some money was refunded, but I cannot recall as it has been a long time. Also mentioned about the second account I cannot recall that either. They offered me full and final offer of £161.75. I know the PPI amount was only £2.00 or less at the time, and I remember cancelling it sometime ago. Does this amount sound right. Thanks

MY 16-19 account had been opened in december 2016 and yesterday, the 23rd of February, I received a letter that my account was being closed, and that Barclays were unable to continue being my bankers. It offers no other explanation. I realized yesterday that my card was missing when I attempted to call them and tried to find my account number and sort code. I decided to go into a branch and was told that my account did not exist. I'm concerned whether there is any way I can reverse this decision and whether I will be able to open an account with another bank or building society such as Nationwide or Santander? There is no issue of money being stuck, more the inconvenience of having my account closed down and having no idea about it

Hi My husband has had an account with JD Williams for the past 6 years, 4 years ago we experienced difficulties and they accepted interest free payments of £20 per month which we have paid religiously ever since. Last week he received a letter saying the account had been sold to Lowell and that all payments should now be made to them. I have no issue doing that but they have now started calling our landline (my hubby works nights so we could do without that really!) and we don't want to start being harassed when everything's been fine for 4 years. Is there anything we can/should do? My son answered the phone and is now worried sick :-/ Many thanks Maudy

Hi, It's a bit of a complicated issue, but I'll try to keep it concise. It's relating to my partners BC account, for which he put his head in the sand until 2014 as he assumed PayPlan had 'sorted it all out', since starting a DMP in mid 2006. I took over the issue in 2015, helping him, as we discovered BC failed to default the account in 2006 (and where still trashing his CRA files). The journey since has been frustrating to say the least.... ...I use 'I' in this context as I have been writing the letters etc on his behalf to try to get this sorted. I have a complaint with FOS, re Barclaycard failing to default a CC account in 2006 and adding interest between 2007-2016, at times as much as 17.9% whilst on a DMP. I raised complaint with BC in Early 2016, raising with FOS 6 months later (in time), BC refused to default account, and referred me to the FOS. FOS have now stated its both out of time, ie more than 6 years ago (only by BC using this as an excuse to stop the FOS investigation), and secondly the FOS adjudicator has stated it is fair, and in BC T&C that interest can be charged after the account is cancelled, as per T&C. ...my problem is that in 2 CCA requests no terms have ever been provided, the one copy I did receive with my DSAR does not reference interest under the section number the FOS states, oh and the FOS has actually failed to include a copy of the terms they are referencing! I intend to escalate to an Ombudsman, but need a little advice beforehand. My Q is: When a credit card is cancelled, by the creditor for the cause of 'my failure to meet minimum contractual repayments' (for 5 months), does this deem the contract to be terminated and thus no longer valid. Ie can BC legally charge interest if they have withdrawn credit facilities and 'cancelled' the account? (There are internal BC notes from DSAR which state account is closed in 2006) I always thought that when closing the account, withdrawing the card and stopping PPI etc then he contract was finished and interest could not be charged. (Oh and defaulted which is my main complaint to BC, the interest being charged is the second part of the complaint as I think this falls also under unfair treatment). History below: In summary, in 2006 default notice, not complied with (was in considerable financial difficulty), received a letter from BC stopping PPI as the account was cancelled. All credit facilities were revoked. DMP with Payplan started FIVE weeks after account cancelled. Then a 2nd default notice issued, after the first DMP payment, but before DMP accepted by BC . This too expired before BC accepted DMP. For one year interest was stopped, but then failed on 2 DMP payments , only managing a partial payment for both, in 2007. (DMP temporarily failed due to bullying from another creditor to make more payments to them outside of DMP!). Interest was restarted and never stopped despite numerous letters from PayPlan request that it is stopped - all letters were ignored. Between 2007 - 2016 made regular payments, and in Sept 2016 managed to pay off the remaining balance with a small PPI Claim received from another company. Between 2006-2014 buried head in the sand assuming PayPlan were working in best interests. Also assumed BC account was defaulted, all the others out of 13 creditors were defaulted between 2006-2009. In 2014/2015 realised both that BC was not defaulted and that wouldn't be getting the interest 'refunded' upon completion of DMP ( as promised by PayPlan - unfortunately only verbally!). This is when I intervened eventually leading to this Formal complaint to BC. any advice before I reject the ajudicators decision would be great. Me_too

Hi I've just read a topic on another forum about in essence joint credit cards. I was surprised to read that the second card does not have the same protection offered to it as the primary card. I just wanted some input as to whether this was correct or not, as I currently have a joint card and while I am the secondary user I probably use it the most. This is the link to the conversation: Thanks for the input

I have just moved house and let Scottish Power know as we have been customers for 13 years paying a direct debit monthly and never defaulting. Yesterday I had a text from the bank and looking at my accounts they have taken £1,452 out without any prior communication. When I rang them they said it was arrears which I did not have any idea about. I can't understand why I have not been contacted about this as it was so much as I would have paid more each month. I went to the bank and they have refunded me but obviously I have to sort it out. Surely more communication should have been given, they e-mailed me when they needed meter readings. Can anyone please comment on this. Thanks for any input.

Hi All, new to the forum. The work you guys do is great so I've bought a webmail account to support the site how I can. A family member has received a letter from CapQuest stating they've taken over their T-Mobile account. The letter seems politely worded but not fooled going by CapQuest's reputation (I've been through several threads on the site). This appears to be due to a default on a 'phone contract around 2010 I think (aftermath of the recession). We've moved to a new house since then and they must have employed their usual methods to get in contact at the new address. The first DCA was Lowells who added a default a few years after the original default and were hassling for a while then stopped. It seems CapQuest have picked up the baton so to speak. Nothing was paid or acknowledged with Lowells. It's past six years now so are they still able to pursue this? I've advised sending a Statute Barred letter but thought I should get some advice here first? Thanks for any advice offered.

Today, 3 days before Christmas I learned that Santander had closed my account without warning. On the phone they said they are sending me a cheque with the account balance - that is my Christmas spending money for the family. I asked them what good is a cheque when I now don't have an account - open an account elsewhere was the reply - they know that will take 2-4 weeks and probably longer at this time of year. If they were decent they would give you a warning and allow you to collect your money as cash from the branch - not send a cheque which they know very well will take weeks for you to access. They have my email and phone number surely they could have advised in advance - what if I had been in a restaurant at the time they cancelled and I could not then pay the bill or worse still been abroad with a hotel bill to pay!!! Been with them for over 25 years and have never had a complaint from them about my account - it was in credit - :mad2:

Millions of people who have basic bank accounts may be paying higher fees than necessary.. Basic bank accounts are designed for people who do not already have a bank account and are ineligible for a standard current account .While eight million people have basic accounts, around half of them are still liable to pay fees for failed payments. Completely fee-free basic accounts have been available since January 2016, following an industry agreement. Vulnerable customers who have such accounts are not charged for failed payments, or for going overdrawn. The Treasury figures show that 3.7 million people have accounts that do not conform to the agreement, struck between the government and the banking industry, in 2014. Of those, 3.6 million bank with Lloyds, the rest being RBS customers All the other seven big High Street banks do not charge fees for basic account customers http://www.bbc.co.uk/news/business-38289654

Hi, Very new to this forum although I have read many a post... I was unfortunate enough to receive a claim form from Restons Solicitors for and alleged debt owed to Capquest for a shop direct account. After reading many a good post I acknowledged the claim on the MCOL site with defend all.. CCA request sent to Capquest via signed for service, its been received but to date no response. CPR 31.14 sent to Restons on 05/12/2016 again via signed for service, received on the 6th December 2016 and signed for. Today I have received a response from Restons and it reads as follows. Dear Madam, RE: Capquest investments Limited v. Yourself Account Number: xxxxxxx Original Creditor and Product type: Shop Direct - Isme Mail order Please find enclosed a draft letter which purports to come from you but which is unsigned. You will appreciate that we must ensure we are corresponding with the correct person and that anyone requesting information is entitled to it. Please ensure that all documentation is signed failing which we will not acknowledge receipt nor provide any response.. Yours faithfully Miss N Didsbury, Case Manager Is this a standard response from Restons for receiving unsigned CPR requests... Should I respond back? or ignore Thanks in advance ClaraCluck

General question - if you hold a joint account, and one of the account holders dies, how much of the joint account would be considered part of the deceased's estate, for Inheritance Tax purposes? Example 1 Husband and wife have a joint account of £100,000; husband dies. Is £50,000 considered part of his estate, and the other £50,00 considered as just a part of the wife's assets? Example 2 Husband, wife and two adult offspring have a joint account of £100,000; husband dies. Is £25,000 considered part of his estate, and £25,000 considered part of each of the 3 dependants' assets?

I would be grateful for some advice. I occasionally get some eatables and pickles from India using Fedex courier services. My father paid the charges for the courier services in India and declared the item value which was 15£. I have received the parcel without any issues. After 3 weeks time i got an Invoice letter from Fedex for the payment of 30£ for Duty and Tax. In the Invoice its clearly mentioned that the total value of the goods was 19£ and Fedex was asking me to pay the Duty and Tax of 30£. I have attached the Invoice. I have called Fedex and queried them about the invoice, they said some miscalculation will send another one, but again they have sent the same Invoice of 30£. After few weeks later i got a call and a Message from Controlaccount saying ' Please contact Controlaccount quoting reference number **** in relation to Fedral Express Europe Inc'for which i did not reply. I have called Fedex again and queried them about the invoice, this time they have asked me to send an email to customerservice explaining the situation. I have sent them an email and got a reply from them saying 'Having investigated the matter in more detail, the invoice on this occasion has been issued correctly. The charges have been levied by the local Customs authorities in the destination Country. Please find attached a breakdown to show how the charges have been calculated (Breakdown attached). In the breakdown the value of the goods was showing as 76$, i am not sure how they got this number. The initial Goods value as per the invoice is not matching the breakdown which they have send me through an email. Please advice. Thank you Krish Fedex Breakdown.pdf