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I got my money back off them before, about £400. Now I went over with a cheque and they charged me £25. I rang them up and they fobbed me off. I expected that though. Its not much its just the principle that angers me. I have a debt being paid on a managed loan account and a paltry solo card. I dont particularly want a credit card I just feel disempowered by my bank. Fair enough my credit is not good I just dont expect to be charged again once I have been through the hassle of reclaiming. The bank is pure selfishness and I would like to move to an ethical bank. Would they accept me? I have £168 pounds in a current account, and £2550 or something to pay back on a managed loan. I have had enough not only of the charges rather of being robbed. Asking 'would they accept me' is indicative of the way the bank has made me feel about myself, as if I have no value and must beg the bank manager for favours. This is not true, in the relationship between bank and person there is no longer any way that the bank can be in a position of power for they require my money to have business. Would another bank be a better option, say an ethical bank or so on. I feel that I have allowed the bank to disempower me and make me feel low, poor, and unworthy and its time to see if there is something better. Were worth more than being ripped off, fobbed off, manipulated and drained of cash. I want to get the £25 quid back its just it might take ages of letters etc and I;d rather just close the account.

I am renting a room and stupidly signed my name to the gas, electric and TV bills and I am leaving at the end of this month. The other tenants have money problems and cant sign their names to the bills. Further to this one of the other residents is a idiot who does not want to pay bills preferring to spend it on cannabis. He has told me this month he cannot pay a bill and I suspect that he is not planning to pay the bills when I leave at the end of the month leaving me out of pocket. I am planning not to pay the bills so that the gas and electric may be cut off. This would then presumably cause the companies to seek the money from me by legal means. The reason I could do this is it would force the tenants to pay me to avoid a reinstallation cost. What do you suggest? This is stressful.

alas but this is not the case and it is interesting that we have a different setup.

I can only get bank details online as far as 10th April 2006. This is not very helpful I dont know if anyone here has access to records that go further back? I also sent my letter without the £10 cheque. Not a good start but hopefully I will get more efficient. R

I sent my first letter requesting info on previous charges yesterday. Could anyone tell me what charges look like on bills as I cannot seem to find any and wonder if I am missing them. Hopefully I've been fleeced. Thanks R