I'm new here and had problems with charges back in January abd February which I managed to pay off at the cost of going into debt elsewhere, now I've been charged again and I've had enough.
Charges to date are 720 + another 60 as once they take three more of their charges 2 of my cheques will take me overdrawn again, (did try to stop these happening but they said the charges were all valid).
Quite nervous about this but I am fed up with them taking charges when I go overdrawn by £1 or £2.
I don't even get letters just an email.
I've been reading around the forum and f&q's and have all my bank statements (online banking) so am I right to assume that i need to just send the prelim letter?
Thanks


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