£100 in charges for a £2.00 overspend - ACCOUNT FROZEN

[sm10]

I went into an unauthorised overdraft in September 2005 and ended up with £50.00 in charges. I complained and they refunded £30.00. However as I was unhappy about this. The following month they had applied further charges and so it has continued. I rang to say that the charges were horrendous and I could not afford to pay them and they have continued to apply further charges. I have continually phoned to advise that I can not afford continual charges and they are not listening. I am a single parent andmy budget is tight. I have explained that £100 is a lot of money when you do not have it. They have now told me to return my card and cheque book and threatened me with baliffs. All of this for using £2.00 unauthorised.

[MondeoST24]

That money us yours, get it back.

Step 1 - letter before action.

[Bookworm]

They're using bully tactics, because you've only said you couldn't afford it, so they're picking on you.

Time to take back the upper hand.

1st thing, though, is to go open a basic account elsewhere, and get your benefits/wages paid there. Transfer your d/d asap. If they want to then keep on piling charge after charge, you will still be able to buy food rather than pay their charges. Once that's done, time to fight back.

Do you have all your statements covering the charges? If yes, Letter before action, if not, Data Protection Act request.

Don't let them dictate the pace. Set the timetable and stick to it. They can't send the bailiffs until they have a CCJ and they can't get a CCJ without going to court.