OK, I thought Id start off. So I'll add my first 2 posts to explain my situation............

Id just like to say I have found the forum a great source of information & have pointed people in your direction.

My problem arised from

Barclaycard

Royal Bank of Scotland.

Barclay card only had a £260 limit but Iv spent the last year trying to keep up with payments due to £50 a month charges. I cant remeber the last time I actually used the card.

 

With the Royal Bank of Scotland iv always had problems. I would say I have been charged roughly £5,000 in the last 6 years. On trying to pay my mortgage I was charged £30 for being overdrawn for about £1 after receiving charges from the previous month with interest. This bounced my mortgage, incurring further charges which I could not keep up with.

Admittedly I have been burying my head in the sand hoping it would go away. As you all know, It doesnt. Currently I have both banks ready to take legal action against me to repay roughly £1700. I have tried to make payments, I have tried to keep up. Its got to the point where its not possible anymore.

Well I hope this forum works for me like many others. I always thought the charges were a disgrace but when they take your full weeks pay for a few admin charges & add on everything possible it makes you wonder about their service & goodwill.

I have been requested to the bank before. They wanted to discuss me being overdrawn & attempted to set me up with a £1000 loan to pay off their charges which have lead to me never getting out of the overdraft. That was turned down as their charges meant I was over my limit on a regular basis. The ironic think was I only asked for a 1 day £50 extention to my limit as their latest charges meant my phone bill couldnt be paid. Well that Direct Debit bounced. Charges were £20 more than my phone bill....another £60 & I still had to find the money to pay my phone bill leaving me in the same position the following month .....blah, blah, blah......

Thanks HS. I have been browsing the forum for a while. It was all alien to me but looking at step 1, I had a question. Went on to skype (live CAG) and it was answered instantly. Thanks Sol. Im sure I will be asking for help in the future. I will certainly donate if I win my case, and yes It is a pretty common situation so Im happy to refer people in the same dillema. This forum is great. I wouldnt know where to start and it has given me a little confidence to fight back against the fat cats.

OK I am starting step 1 as recommended here.

This week I will send the standard letter requesting my charges and a copy of the last 6 years.

Enclosing the £10 max charge for the information.

Ensuring the letter is recorded delivery.

I'll keep you all posted

OK I have been a bit slow off the blocks. Struggling financially at the moment & couldnt really afford the fees (Also still burying my head in the sand a little) Have been getting constant phone calls & letters from both banks requesting payment

yesterday I send the Data Protection Act, Subject Access Request letter.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

Included both £10 fees paid by postal orders & sent them recorded delivery. Total = £29.10

I'm claiming against both the Royal bank & BarclayCard

In total I am overdrawn about $1800 on these accounts

I am guessing over the last 6 years the charges have been about triple that.

So here goes, no stopping now & I will keep up with every deadline.

Tommorrow I intend to call both banks to explain I have send a request to have my accounts re-analysed & hopefully it will stall them a little & stop me worrying so much when I answer a call for a payment I find impossible to make in my current situation.

Well Im looking forward to seeing the actual charges I have incurred over this period.

Well as you can see from my previous post I have been extremely slow to Act. I just now have to look back at the times when they whipped out my full weeks pay with the "so what attitude." If every customer sent the bank a £35 a time for their errors im sure there would be no banks...........so Im taking it all the way with no remorse or sympathy

I'll keep you all updated as it happens!!!

Hi, I have been it the same situation in the past. You have taken a step in the right direction now though. If you feel the banks are harassing you over the phone tell them that the accounts are now in dispute and that the only contact you require from them is in written form. Don’t get in to conversions with them regarding your accounts.

Have a look at this letter and see if it is any good for you.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html

You will get your money back in time and there are loads of people that are willing to help.

Thanks MB, I took your advice.

contacted both parties reguarding my accounts.

Both agreed to put my account on hold for 14 days.

After the 14 days they will contact me for an update. Well, if nothing else this gives me some optimism as there will be no update untill they send me my full account history. So as far as im concerned its up to them now to provide the required information. They have 38 days left to comply.

Now you have spoken to them I would also sent them a letter regarding your conversation just so there is written proof and I would also state that you will only respond to written communication. If after the 14 day they start with the phone calls agian then send the harassment letter.

good luck

Wow - Just received my statements 8 days After I sent the request. 6 years of statements. Got 200 pages to sift through here - That was quick