amandavabby

[amandapac2]

i am so happy i have found this site! they have taken about £450 off me in past few months, money i just cant afford the 2nd and 3rd time i was charged it was there fault taking the money out when i had no money in my account and not sending me anysort of warning telling me they were taking the money out so i could make sure i had the funds in there, i have since had to get a £450 overdraft to keep up with these chargs and simply cant repay. i am finaly going to take charge of this and with help will finaly be in controll of the situation first step here i come! if anyone has any advice for me i would be greatfull!!!!!

[Janet-M]

Hi Amanda and Welcome

As we tell all new users the best advice is to read around the site for a few days especially the FAQ's as it is very important that you get to fully understand what you are undertaking.If you read other peoples threads it will give you an idea of what reply you are likely to recieve to each step you take.If you have any questions then use the search facility where you will find most have already been answered.
Please keep to one thread, for each claim you make, both for updating and asking questions as this helps everyone to keep track of your claim.

Please keep us posted

[amandapac2]

would it be alrite to send a letter asking for my charges infomation yet or should i wait?

[Jamloo]

Look at the Bank Templates Library section here: http://www.consumeractiongroup.co.uk...splay.php?f=33

and send them the Data Protection Act letter...that starts the ball rolling and gives them 40 days. Remember to send a £10 payment with your letter eg cheque.

DEFINATELY look through the FAQs and other threads though as advised earlier !!!!!!!!!

Good luck to you...and remember we are all here to help !!

[amandapac]

i have just receved a reply from sending my first letter it says

thanks for the letter dated 16th june which we receved on 21st june requesting info on your account for bank statments covering the period 1st november to date
all the transaction info you have requested is available on our systems and will be fowarded to you within 40 days free or charge under seprate cover. i therefore return your £10 fee.

unfortunaly we are unable to suply a list of charges applyed to your account for the last six years because we do not store this info seprately from other transaction data. we can only supply a list of the transactions on your account which will include details of any charges applied

you will apprecite that first of all not all manual interventions on your account may be recorded, for example if a member of staff looks at a paper document relating to your account, a record of that activity will not always be made. moreover an intervention may be carried out by any one of a large number of departments in abby.yhere is no central record of suck interventions because this is not the kind of information that we usually need nor, more4 importantly information that a customer would normaly request

i regret therefore that i am unable to supply a detailed info of any manual intervention.i am sorry for any inconvenience this may cause.

i dont understand where this has now left me and what my next step is ive got my bank statments and have added together all the charges and intrest plz help!!!