General Chat

Have pmd you Anne. Hope you don't mind, Basically I've sent you a link to the money saving expert site. The site is worth reading itself however there's an article about how excessive bank charges are unlawful. Sometimes they will drop the charges if you threaten them with court action. The site says 'We have now had over 100 people reclaim their charges from their bank - some by just asking, some by sending threatening letters and some by starting legal action. ALL got their money back before a court hearing has been heard' Go to the following link for full details: http://www(.)moneysavingexpert(.)com/cgi-bin/viewnews.cgi?newsid1141050760,24632 Hope it helps

Lesley - thanks for PM - have looked before but will look closer :O)) Purple P - I'm in exactly the same position - can't change banks cos of the overdraft I owe - can't afford to repay it in one hit - it will take months !!!! :O(((

UPDATE Well I have done a little (all that I can) damage limitation. Changed some DDs to the 1st of the month so they get paid straight after payday. Have cancelled 3 insurance policies that I can do without for now - and have downgraded my TV package with Telewest to the lowest one. Maybe I should think about the odd lottery ticket now and then - you never know ........ :O)))

Hi Anne I thought that someone may have mentioned the site before. What I didn't realise is that banks are charging these extortionate charges illegally and if you challenge them they may give refund the charges. I hope you get it sorted. Good luck. x lesley

anne im always having this problem with bank, (barclays) i had a statement recently for credit card and figure was huge, nearly gave me heart attack, when i check they had paid last months payment i authorised, there fore credit card charged me 25 extra and tripled my minimum payment, i got onto bank , they admitted their fault, and refunded the charge, the stress was awful i sat and cried

Anne - do you have credit cards? Are they 0% ones? Maybe worth transfering cards to news ones and cutting up and cancelling old ones! xx

UPDATE ................... Got a letter from the bank today - they are refunding the £30 charge that put me overdrawn - and cancelling the £30 charge they *were* going to implement for the subsequent unpaid item they created thus ..................... YAY !!!!!!!!!!!!!!

Yay!!!!!!!! scotland here you come!!! pmsl

See and if you had just accepted it they would be £60 better off. Now don't spend it all at once.lol

I'm with NatWest ... they are REALLY good and understanding when it comes to charges for this sort of thing. Glad it's been sorted .... it's worrying when it happens. :-( Elaine ;-)

And I was getting all prepared to write a sarky letter thanking them for their constant assistance towards my financial hardship lolol Still gonna dump them as soon as all the same ..............