Thread: Beginner Needing Help

HI everyone..

Im pretty new to this whole thing but I would really really like to attempt to get back my charges.. I haven't actually calculated how much all the charges are altogether yet but I can just image that it's a hefty amount. What I would like to ask is what exactly should I say in the initial letter requesting the money back? NEED HELP.. just written a letter telling them that I can't even afford the running of the account at the monent and im on the verge of having £11.25 int and £25 overdraft fee.. I cant afford all that !! PANIC STRICKEN !! :o :o .. I did read in the small print that if payments are missed generally that at a very last resort they will take Court action and send collection agencies... OH MY GOD... is that just a threat? Has a bank ever actually done that??

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