hello does anybody happen to know if it is illegal to charge fees on a youth bank account for a 17 year old? they went over drawn by 92p using an electron card on itunes and because of this has incurred 70.00 worth of charges. they have even added charges on top of charges resulting in the account going further overdrawn. I was under the impression that you can not legally get into debt until your 18 and for this reason the bank can not charge for under 18s ???

that doesnt sound right to me, i think its more likely to be interest charged on the charges or debit interest from the amount that you were overdrawn

no thats not right. online banking should enable you to transfer money between linked acounts. the e saver account is only cash machine based or online based to you can move money to current account, it might be when the new system was installed it has changed the settings on your account, if this is the case the branch will be able to sort this. let me know if you need any more help

hi i work for a bank, dont put money in the other account if you already have an account with the same bank in collections as they can freeze your account. do you claim any benefits? if so they can be used as ID you can use any benefit entitlement letter from the goverment i.e DLA, JSA, TAX CREDITS, CHILD BENEFIT no everybody has a passport and driving licence. any original document produced from the goverment with ref to a benefit claim with your name and addresse is counted as ID. hope his helps:-)

Hi searches from 2005 should not be showing on your file now, they drop off your file after six months with experian not sure about equifax though. Settles account remain on there for six years from the date the account was SETTLED or CLOSED not opened. The best way to improve your credit is to get a very small loan or credit card with low credit limit, pay for you petrol or little things like that and pay the FULL bill when your statement arrives. Check you are registered on the electoral roll and the information on your file is correct. Try to keep the number of searches you do to not more that apx 6 per year as too many searches for credit applications will lower your score. Unfortunatley the credit agencies wont just remove a disputed entry on their files although this is what they should do until proven otherwise. They will however add a notice of correction on your file to tell anyone who searches your file or who has searched it in the previous six months that the entry is under dispute and careful consideration should be giving when assesing his or her creditworthiness. hope this helps

I am totally confused now - It was the mortgage advisor that gave my partner the mortgage suggestion that I get my name on the deeds of the property vis the solicitor that we go through to buy the house????? I was just wondering if this would cover me legally etc or would i still need to get something drafted up to say if the house was ever sold half of it would be mine. Thanks

I love my partner very much, however, nothing in life is guarenteed and I think I am doing the right thing in having thoughts like this as I have to think about all the what ifs and I need to protect my childs future and my own. Thanks for replies

hi Thanks for your reply and advise. Would I still need to have something drafted up by a solicitor or would I be covered legally by just having my name on the deeds of the house? I have to make sure if things go wrong and i am paying half the mortgage that I will legally be entitled to half the house ! Thanks would i not be entitled to half just by living with my partner as a common law wife or is this not the case anymore?

Hi I would be grateful of any advise. My partner and I are about to move in together, my partner has had to get the mortgage in his name as I am still trying to rebuild my credit history and I would not be accepted as a joint applicant at present. I will be paying half the bills and mortgage etc, now my question is , what do I need to do legally to make sure if for any reason I split from my partner I am entitled to equal rights of the house if we ever needed to sell it? I know I shouldnt be thinking like this, but I have to think of all options just in case and if I am paying half of everything then I would want half of everything if we ever needed to sell the house. Do I just need tp make sure my name is on the deeds to the house or do I need a solicitor to draft some dort of agreement up? I really havent got a clue! Thanks

thank you I will do !!

hi, Please can anyone tell me what the up to date situation is with claiming back charges? am I right in saying all claims are on hold untill the OFT has made an annoucement on their decision to what banks should or should not be charging? Thank you! - Am I still able to challenge my credit cards? I know the max charge amount is now 12 pounds, but are people still claiming full amounts back or just the difference in what they have been charged?

Thanks Goldlady No its not a buy and rent back, they are buying it outright and when its all completed I am moving out. I just dont know how reliable they are to deal with im already taking a drop as it is and dont want them to try and drop me lastminute. I guess if they are still making money which they are they will continue with the sale. If anybody has any experiences I would be interested to hear from you. Thanks

Hi all, I am selling my house to pay some debt off to a home buying company. I have accepted an offer from them which is a reduced for a quick sale. Has anybody ever had dealings with these companies? I am scared I have agreed a price with them and they will try and get the house cheaper just before completion. I dont know how reliable these companies are, I can not afford to end up with solicitor bills if they try and drop the price last minute and if they back out for any reason. any help would be appreciated as always.

This site is for helping people who have taken out credit and intended to pay it back, but for whatever circumstance or life changes they have encountered are now in need of help. This I can understand, however I find it totally irresponsible that you have taken out credit and had no intention to pay it back and you are now wondering when your credit file will be clear !! Let me tell you something, maybe it will clear in a year but if I was you I would be constantly looking over my shoulder as they WILL catch up with you as it is fraud and it will ruin your life. rather you than me, id rather do without the 60 grand and know that I will not have to live in fear of being hunted down by creditors. Hope it was worthwhile!

or if your sneaky like me you will take the free 30 day trial and make sure you cancel before the 30 days so they dont charge you, then subscribe again for the 30 day free trial !! i do this all the time I have constant free subscription to equifax lol !!!! i dont think thisworks with experian but defo does with equifax, just make sure you keep cancelling before your 30 days are up! i just thought i would try it and see if it worked and it did !