Hi All I have been out of the "loop" for a while so not sure where things are up to now with reclaiming charges etc. Basically I have/had an account at Barclays with £150 overdraft. Had the account for 20 odd years. I started going over the overdraft a littel last year - so decided to close it as got fed up of charges of £22. Paid in the money to close and sent a letter. Now had emails and correspondence saying I am £500+ overdrawn - how am I going to pay this?!?!?!?! On looking at it - they a) havent acted on my instruction and b) and just taken charges upon charges upon charges!!!!!!! Can I do anything and ask them to rewind the account back to when it should have closed? Or reclaim the charges? I just want the account bringing to zero and closing!

I think so as the LA seemed to thing they looked and sounded strange. Just so relieved.

Thank you. Hallowitch you are a superstar.

Oh - I will. This site helped me recover all my bank charges a good while ago too. I am just jubilant now!! Still going to pursue Equita fees as well. Christmas is back on!! xxxxxx

FIRSTLY - I LOVE YOU ALL XXXXXXXXXXXXXXXXXXXX I have been up all night - checking bank statements and when payments have been made. Phoned the council first thing and spoke to 2 lovely ladies. Explained everything and what happened with bailiff. Put it on a bit that I had also had a severe asthma attack (I do have asthma) and my husband came in to find me and baby very upset (which is mostly true). Anyway - they phoned Equita whilst I was on the phone - also questioned why it was £527 now and not £380 (I quoted that I knew what fees the bailiff could charge). Anyway - result is - I can pay the council the remainder next payment due 22nd Dec - by standing order - £100 a month!!! Bailiff man will not be back! RESULT!!!! I can now open the blinds and recover my car xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

Will do it will no doubt be in the morning when I am panicking and peeping out of the blinds for white van man!!

I agree - thank you. Can I just say you are all stars. I feel so much better about things now. I was ready to just pay the £527 by credit card today!

That gave me the first smile since lunchtime!!

Thanks. OK - I need a plan of action for tomorrow... 1. phone LA and ask what is outstanding on Council Tax? 2. Make online payment to LA 3. NOT phone the Bailiff - esp after hubbys message! 4.Send letter to Equita requesting charges info 5. Keep car out of the way and lock all the doors. Anything else?? My son hasnt got a key for the doors and is at school tomorrow. Will a bailiff enter through a back gate if I leave that open? Also how long do I need to keep my car out of the way. I can drive a bit but cant walk far with foot.

OMG - my husband has called the bailiff while I moved my car and left a message on his voice mail. He called him a fat b*****d, thieving c***, told him where to go!! Has he made it worse - OMG he is def coming after me now.

Thanks for this. I have had a broken foot since 31st July. It is a Jones fracture so is taking a looooonnngg time to heal. I was in plaster for 11 weeks and am still signed off by the hospital. I have also been to the doctors in this time and been prescribed anti-depressants, although I ended up not taking them and fighting through it. I had to rely on others to ferry me round and do a lot for me. If I am classed as "vulnerable" what do I need to do or find out if I am classed as this. xx

Thanks Hallowitch What should I say to him when I phone tomorrow? Say I have sent this letter and make a payment direct to council? Sorry - but I am worried sick and he was very intimidating on the phone. I have been off work since Aug and my self confidence is low anyway. I almost thought nasty thoughts to end all this. I am so embarrased and just want to get rid of this. xx

Thank you. How do I know if they have a levy on my car? It is not financed. I 've not had a breakdown of charges - as far as I was aware I owed £380 @1st Dec - now its £527! He told him to phone tomorrow and have a think how I can come up with the money. Shall I do this with my plan of action (pay £50 tomorrow, £132 on tues (my child benefit) and the remainder next Fri?

Hasnt been in my home and no levy on my car as far as I am aware. I was hysterical on the phone when I spoke to him later and he just told me to calm down and call him tomorrow - but am still expecting him to turn up anyway.

Hi I have just been reading through some posts on here. Can I make the balance payment of £380 Equita were asking for direct to the council, even though previous payments have been to Equita? If I do this can I tell the Bailiff when he turns up or I phone him I have paid the council?

Hi all Ok petrified and so upset at mo. Basically - my bills got out of hand last year and I ended up owing on Council Tax. This was passed to Equity and I paid them. Trouble is they cant set up regular payments - so I ended up forgetting and being late with payments. Last payment was made 1st Dec for £65 and I asked how much was left and they said £380. (Was £1400). Today a bailiff from Equita has turned up and gave me a letter demanding payment in full in 24 hours of £527.15 plus costs or they will remove my car/goods. I phoned Equita straight away and said (through lots of tears and upset - whilst my 3 yr old was stood next to me) that I wanted to make payments but couldnt pay it all at once. I am off work at mo (have been since Aug) but due back in Jan. I offered to pay £35 today and £100 next week and then pay the balance asap over the next few weeks. They said no and actually put me through to the bloke that was here. He said no and was quite pushy saying no needed to pay in full now. I was hyperventilating on the phone so he told me to calm down, sort out getting the money this afternoon and phone him tomor. I have managed to get some money together but not all of it. What should I do? I am scared stiff and hubby has just thrown a fit.