Thread: Gettin started

Hello and Welcome

Well done for posting in the right forum, hopefully now any question you have will be answered by other people claiming against the same bank as you who have extra knowledge!

I’m claiming against this bank as well - I'm a bit further down the line than you so don’t worry about thing for now!

First of all don’t panic - you will soon have your money back in your hands where it belongs!!

Yes…you can claim back your charges, even if you were late paying, even if you went over your limit and even if your DD Bounced!!!

Remember the banks have acted unlawful you haven’t!!!

Before you start anything make sure you read the FAQs and as many threads as possible as there is a wealth of information on here!!

First of all, if you haven’t already, you need to get hold on your statements. You do this by sending them SAR letter. Remember you can claim back for the past six years, including closed accounts, mortgage, credit cards, car finance, loan accounts and even accounts that are with debt collection Agencies and bailiffs!!!!
http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/516-1-data-protection-act.html

When you have your statements then you can start by sending them the Prelim letter.
http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month.

If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action.
http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/5078-10-data-protection-act.html

If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me and I will be happy to help you.

Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!!

Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do!

Hope this helps

Good Luck

Its up to you!!

Is the account overdrawn to too charges?

If yes then I would personaly send them that notice!! and use your para account.

If its mainly do other issues suck as cleared chaques then you could offer to make small repayments if you can not pay the whole balence off in one go!