Oh what an exciting concept, us asking for our money back from the ever hungry banks! I have been trying to soak up as much info as I can from this really helpful website. I posted a reply earlier regarding a ccj entered against myself and my hubby in 1999 for bank charges. The branch acknowledged it was their error in not cancelling direct debits correctly but Woolwich still took us to court. For 6 years we have had ccj through no fault of our own. Boy, am I going to be writing to them now. Hold onto your seats here comes the rollercoaster!!

Hi everybody I am a newie to the forum. After reading alot of your comments I am very angry:mad: at the way we have all been treated by 'our' banks. I will give a brief outline of my situation. In 1999 my husband and I cancelled some direct debits on our current act. The following month we received our statement detailing bank charges for these direct debits - they had not been cancelled by the branch. The bank did not refund charges and took us both to court. A judgement was entered against us for 6 years. The manager of the branch did tell us that the error had been made by her member of staff. She had cancelled direct debits on front screen but not on the back screen!! We disputed these charges but bank still went ahead with court action. In 2003 I applied for my credit file and noticed that the judgement was still unsatisfied when in actual fact we paid the judgement amount in 2000. I was lead to believe that if you pay up the judgement amount it would look better on our file than if we did not, even though we had disputed the amount. The court ruled and that was that!! The bank looked into our complaint of the unsatisfied judgement and changed the information straight away. I really do feel we were bullied by the bank from the start with their heavy bully boy tactics. We had done nothing wrong with our account and yet they were able to penalise us for 6 years. Even to this day they will not allow my husband a cheque book on his account. I am today faxing a strong letter of complaint to them. If only I had of know back then what I now know about the banks and their charges I would have fought them even harder. Thank you for reading my moaning message here's a smile to say thanks!