I've got as far as sending the 1st letter for repeyment and schedule of charges. I got a letter back this morning saying that their charges are fair and that they cannot give me any of my money back

What should I do now????

Shorty,

That is a standard fob of letter that all the banks do to try and stop you claiming. Their penalties are unlawfull, so they can be claimed back. Just ignore the letter, wait the fourteen days, and then send off the LBA.

Thank you very much

Hi all,

I dunno if this is in the right place. I made a mistake a few months ago, I sent off 2 cheques to 2 mail order companies, however the cheque book I used was an old one, hence the cheques did not clear. So not only have I gone into my overdraft that I don't have and am now getting billed for but I also have to pay for the bounced cheques. I'm on a tight enough budget as it is and for a while I buried my head in the sand and thought I could reclaim all the charges back anyway, but now I've started paying back the money. I paid £50 as an initial payment and then set up a standing order to the account for £100 a month which is all I can afford. But on looking at my statement I noticed that A&L charge £5 a day for everyday you are in your unauthorised overdraft. I'm getting charged £150 a month for this. I'm now upto almost £500 and with £150 being added onto this every month and me only being able to pay £100 off its just money wasted and I will never get out of this downward spiral!!!

Please can anyone advise me on what to do next, I'm desperate. I'm trying to change my ,mortgage because its come to the end of its fixed term but I can't go with a 'normal' company because of this outstanding balance on my credit file.

Thank you in advance

Marie

Hi all,

I dunno if this is in the right place. I made a mistake a few months ago, I sent off 2 cheques to 2 mail order companies, however the cheque book I used was an old one, hence the cheques did not clear. So not only have I gone into my overdraft that I don't have and am now getting billed for but I also have to pay for the bounced cheques. I'm on a tight enough budget as it is and for a while I buried my head in the sand and thought I could reclaim all the charges back anyway, but now I've started paying back the money. I paid £50 as an initial payment and then set up a standing order to the account for £100 a month which is all I can afford. But on looking at my statement I noticed that A&L charge £5 a day for everyday you are in your unauthorised overdraft. I'm getting charged £150 a month for this. I'm now upto almost £500 and with £150 being added onto this every month and me only being able to pay £100 off its just money wasted and I will never get out of this downward spiral!!!

Please can anyone advise me on what to do next, I'm desperate. I'm trying to change my ,mortgage because its come to the end of its fixed term but I can't go with a 'normal' company because of this outstanding balance on my credit file.

Thank you in advance

Marie

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