This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

you clearly dont live in the real world . My ex husband left me and kids mionths after running up my credit cards and taking out a huge loan on the house without my knowledge. That is the real world matey, where honest people are left in a financial mess by the dishonest people of this world. Before that i never put a foot wrong financially and thats where the bank let you down. Instead of being helpful they become blood sucking vampires draining more money from you. I claimed, got mine back and then joined consumer credit counselling service who treat you with respect and make your creditors listen. If anyone wants phone number for CCCS let us know, they're great, Im paying £50 a month on £15k worth of debit and all charges and intrest have ceased

great isn't it, i was on such a high coming home from post office. could you tell me how to give a donation to you guys please as want to when money in the account. I'M SOOOO PLEASED I FOUND THIS WEB SITE:-D

got letter through this morning offering my money back, wow!! i'm signing it and sending it off in post recorded delivery this morning so they cant change their mind!!!!!!!!!!! how do i donate? gonna do so soon as its in the account

congrats to you, can you name any names as you got sorted so quickly? any helpful people? a desperate woman!!!!!!!!

i'm preparing my next letter giving fourteen days before court and i notice in the letter it refers to schedule of charges. Does this mean i have to send in my copy bank statements with this letter? Having trouble finding the answer within the forum Tracy £1030.69 owed first fourteen days expires 16th june

i didnt actually charge any intrest, i just added up the total charges, have i balled that up for myself now?

sent off my letter asking for my monies back,( 02nd june) quite small really compared to some peoples, only £1030.69 so hopefully they will decide its just pocket money and give it back to me. yeah right i can dream!!! added the following to the bottom of my letterxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx We are a five person family with only one income and you have made a profit from us struggling financially. xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx what do you think? reckon it might sway them in to being nice?

will do. My 40 days ends 30th june so hopefully you will have had a reply by then. Good Luck

never thought of it that way

has anyone else seen news yet? consumers are now being urged to argue bank charges, does this mean we have less chance of getting our money back if more people are claiming or is parliament getting on our side at last?

had a helpful, polite letter from the bank, guys name is Ian Shepherd from Coventry DSC in West Midlands. anyone heard of him/had dealings before?

or chocolate!!!! thanks for that. Right, they got til 20th june then

got nice letter from bank today saying they are forwarding copy statements to me and i will receive them shortly, how long do i give them before chasing them? they didnt even mention the £10 fee i never enclosed

started new thread

been to the bank today, no reply from my letter yet, but they have closed off our overdraft for us and arranged a small loan to clear what we were overdrawn by. not a normal loan, its called a money management loan where its low interest and they arrange the repayment to what we can afford to pay. cant believe they were so helpfull to us, reckon they are creeping, not backing down though regards the previous charges. feel like a weight lifted from me, i used to have nightmares about that overdraft

posted off my letter today to ask for the total charges so im gonna be checking that letterbox for the next month like a hawk. cant believe my luck finding this forum, have told everybody i have bumped in to about it. fingers crossed

hubby and i are in a mess as we are always in the overdraft and because the bank keep charging us £70per month we keep going over the limit. i have read about reclaiming these charges, what criteria needs to be met for us to ask this? and how do we go about doing it?