Hi guys, I've got in a bit of a pickle... A couple of months ago I gave my debit card details to pay for my husbands season ticket. They told me the money would be debited from my account later that day. All fine. Last week I checked my bank account to find it overdrawn. I thought that very odd as I hadn't spent anything. It turned out the money for the season ticket had been debited last week - not two months ago. I contacted Natwest and asked for a temporary overdraft facility to avoid charges - I was told this would take days, and that i had gone o/d several days before and was being charged a daily rate. I was approx. £130 o/d so transferred £150 into my account to bring it back into credit (so no point in applying for an overdraft). The next day I checked my bank again and was £40 o/d - I was working and couldn't call the bank so went to the branch the following day to ask what was going on - to find I was now £18 o/d (are you getting confused? I am). They told me a d/d had gone out hence taking me back o/d... I asked why the previous day it had shown me as £40 o/d and today it was £18. She said I hadn't ever been £40 o/d. Anyway, I transferred more money to get me back into credit. I then get a letter from Natwest telling me I was o/d for 5 days and I'll be charge £6/day! This letter arrived a WEEK after I first went o/d. (this annoys me as Natwest have no qualms about calling me to sell me stuff, or texting me - yet when there's something so unusual on my account they neglect to mention it for a week). Next day I get a letter from Natwest credit card telling me my d/d had been returned - with a £10 charge, I was therefore hit with a 'late payment fee' £12. Natwest have charged me an extra £6 for the d/d return too. I have written to Natwest asking them WHY they would allow a transaction to go through that was clearly 'not right', why they had allowed all my d/d's bar the Natwest credit card (so they can doubly screw me???) but got no reply. To add to that I have just been hit with a £12 'over limit' fee because of the c/c charges. So, to date Natwest have charged me £70 in fees for one transaction! Surely this isn't right? Helpful banking? Help yourself to my money more like. Any suggestions?

Maybe I didn't put that right... We used to park behind our drive on what is the other neighbours land... As that is what these people asked us to do so they could turn on our drive..... I pointed out the other week that where they wanted us to park wasn't ours... They now go and hammer on the people's land who's it is if we park there... (she's an old lady and gets frightened, so we've said we won't park there to save her the harassment) - if we park on our land they come threaten us! Absolute nut jobs! What can a solicitor do.... They've stopped even disputing its ours (think they paid LR for our deeds) just demand we don't park there... Because they don't want to look out their (coach house above garages) window at cars!

Quick update: Snowy - if we were parking on anyone elses land it would be next doors (not theirs) - next doors deeds show the same boundaries as ours.... Next door has just asked that we don't park encroaching their land as they are being harassed by these people over it. Sadly the issue has not resolved - they have taken to banging on the door and threatening us whenever we use our drive. I made a complaint of harassment to the police. The police came around the other day but I was not home. They told my husband that the neighbours had made a complaint about us (though I can't work out what for). I'm unsure of what the police said to them.... Anyway, we had one car on the front part of our drive today- I had to go out this evening with my son. When I went to go to the drive there is a huge van parked right behind my car across my drive - there was no way I'd ever get my car out (unless I could get it through a 1 foot gap). I didn't knock on their door as they are very aggressive. But went out for a cigarette (I don't even smoke I just needed to calm my nerves) a couple of hours later and saw the neighbour driving off in the van. It was obviously put there to block me in, as parking further back (even still on my drive) would not have restricted my access. I know this is harassment, but any suggestions if they do it again? Say when I have to go to work, or take the kids to school? (since the signs there has been a plethora of incidents -tweeting about it is all that's kept me sane).

They said over my 600 minutes I made an extra 400(ish) minutes of calls - your calculation looks about right.... They have charged me 35p per min for every call. They say they wouldn't contact me even though it's irregular usage. I cannot believe they let people run up such massive bills which are CLEARLY unnoticed and ten to charge so much! Shocking. I think it's time to go to a new provider

Hi guys, Just checked my bank to find a DD from Vodafone for £150. My phone bill is usually £20 p/m. I looked at my bill online and have £100 in calls (plus VAT) so £120 extra. I have 600 minutes and it looks like I have exceeded this. I wasn't consciously using my phone more then usual and it never occurred to me I'd go over.... I have had no text/email or call from vodafone to say I was approaching the end on my included minutes or that I would be charged 30p/min for calls thereafter. I am wondering if Vodafone have a duty of care to notify me that my bill will rising to 7x the usual amount? I was clearly unaware that I was being charged ludicrous rates. I had issues a while ago where I had no signal for months and was told they'd reimburse my line rental - they never did - instead they were adamant there was a signal when there wasn't. Has anyone else had problems? (my husband has had no end of issues). Ezy

Funnily enough my friend put it down to resentment..... I look quite young too - bet that doesn't help if it is....

I think the flat is clearly NOT what she expected (maybe they thought the tarmac and cars outside when they bought it would be turned into green meadows..). I really think we are likely to own this house longer anyway. Either way I'm not disputing anything. I'm just parking on my drive,

Last post makes me sound a bit harsh... will try the nice approach to that first

This as a concern - I think they are likely to sell before us (young boyfriends and girlfiend in a one bed flat) Vs proffessional married couple with 2 kids in a 4 bed house (and longer drive). But either way - this is something that I thought I may put to her if she persists - 'if I have to make a complaint of harrassment against you it will devalue your flat...'

I don't understand..... it is our land.... I'm just not arguing anymore - even if it wasn't our land - it's not a turning circle for her. Are you saying I should tell her it's my land? I have already, I have offered her a copy of the deeds (but she has requested one from the developers - guess she thinks I've forged ours) - I even offered her my ruler and tape measure so she could measure it herself. I can't be bothered with all that any more. 'Do what makes you happy love' - I'm not refraining from parking on my own drive.

I do have names, but again I can't be botherd to engage with her. 'you cant park there' me: 'says who?' 'the developers.... whoever', me: 'cool! So what you gonna do about it?'. Think that's as far as I'll go with her - she can stew over it.

Hi guys, thanks for all your responses. Had a chat with the developers this morning, they were really nice - they said she had called this morning and demanded a copy of my plans. I explained the situation to the developer who simply said 'so what is the problem with you parking where you are?' exactly! She said they would never ever advise people to put 'No Parking' signs up, espescially around other peoples drives. I also spoke to planning who were lovely. He said he had to nip out and was passing, so would have a look and then look at the plans. He called me back and said 'so what's the problem with you parking on and behind your drive? I don't understand what the problem is.'. He also said I could take the signs down if I wanted as they were on my land - but - bless him 'why bother' they've bought and fixed up a sign for free on your drive telling other people not to park there! He said there are no parking restrictions so I was fine to park. We are not causing an obstruction! He also said there had been no planning application submitted, but if any work was commenced please give them a call - he could not say whether it would be passed or not until he had seen what they planned to do. I'm feeling calm now. I'm not going to broach into conversation with her about parking any more. I will merely tell her I am within my rights, I am not obstructing - and if she wants to spend time and money on silly signs, that's fine! If they offend me I'll take them down and sell them on eBay. She did say yesterday 'if you keep parking there I'll just come and ring your doorbell' - if she does that I'll suggest she stops harrassing us before we make a formal complaint. Never really was one for titt for tatt.... I can't believe I lost sleep over it! Ezy

Can I? How?

I'm sure planning will have plans so I can double check. But our deeds definitely say its ours

Hi, I see what you mean about the property dispute, possibly so, my initial post was to determine whether or not I could park near my house as long as I was not causing an access issue. Even if the land was not mine - am I classed as an obstruction if I am merely stopping her from reversing into her drive (bearing in mind I can't either)? Tbh guys my feathers are ruffled, surely yours would be if someone stuck notices around your parking area? I'm sure it's not just me, she was bitching about all the neighbours.

Hi guys, Just wrote a long update then browser crashed! Land is not LA it is classed as shared ownership. Checked deeds properly - from our garage right back to the wall of (next doors) house is 10 metres. 8 meters of the land is our drive - 2 meters is classed as shared ownership. (Drive is 3.5 meters wide). I usually park in the 2 meters bit so my husband can get on and off the drive (tbh we didn't realise we owned so much of the land until yesterday - never bothered to look). They have put the sign clearly on our drive - tonight I have parked on our drive behind my husband right under their sign. Didn't take long for a knock at the door to 'you can't park there'. I was really calm and said I had every right to park on my drive, that was the point of it... I also asked if they would remove their sign within the next 24 hours, or I would AND I would dispose of it. She contested the land being ours, so I offered to show her the deeds, I even offered her a ruler and tape measure so she may go and check. She refused my offer and so I asked her where she had got the idea that a) we could not park there (in her defence we don't normally, occasionally when we have guests we do but try not to as they always ask us to move our car). b) she had the right to put up signs imposing parking restrictions. She told me on both accounts the developers had told her - I asked if she had a copy of the deeds that showed our land, but she said they had told her over the phone (sounds odd). I told her she needed planning Permission to put up signs larger the 0.3 m sq (done some homework) and asked her if she had it - she said she didn't need it as it was private land! I assured her a) she did if they exceeded the specified 0.3 sq m and she also needed the land owners permission - to which she said she had asked our next door neighbour so had permission - I told her as it was our land and we had not given permission I expected it to be removed with immediate effect, or I would remove and dispose of it. Trying to be calm and resolve the matter I asked her what exactly was the problem with my parking on my drive (thought it was a good way to get the issue resolved). She said us parking there obstructed her - as it's a dead end I do not see how. Apparently as she likes to reverse into her space she can only do that if we do not have cars on our drive. I suggested she drive in forwards and reverse out (as we have to) - she said this was unreasonable - I therefore asked her if it was reasonable I ask the neighbours behind to remove their garden wall so I could use their garden to reverse into my drive - as the brick wall next to my drive is much more obstructive to me, then if I was to have three cars on my drive is to her. This she deamed as stupid as I could just park somewhere else yet it was unreasonable to ask someone to move a wall (seams as reasonable as me not parking on my own drive to me) . Given up with this argument she told me they were having a step in front of their flat put in (lovely) and fencing around their door. I agreed it would be lovely and as long as it didn't effect my access to my drive it would brighten the place up - she said it would mean we could only get one car on our drive - I said I thought they would struggle to get planning permission if it was going to obstruct our drive - she said full planning permission had been granted and work was going to start soon (naturally I checked later online and no application has been made). Other things said were 'I don't want to look out at a car park' - begs the question why buy a flat above 4 garages and driveways then? She then went on to say the police had inspected the parking and we were not allowed to park more then one car on our drive or behind our drive - didn't know police got so involved in civil matters without speaking to the other party, nor did I know they made such declarations without checking the deeds as to who's land it was. She finished off with the news the council were going to paint double yellows (on my drive? And on land not owned by them???). I've pretty much decided they're a bit nuts (I'm sure you won't all agree). We have tried by not parking on the back part of our drive, getting guests to park elsewhere etc - now I'm resigned to - being nice doesn't work so why bother? - I think from now on I will make full use of my drive. I don't think her inability to drive properly means I am obstructive. Still going to go to planning tomorrow and get full plans. But even if the area behind my drive is not mine - the only viable obstruction it would cause is to me. Lemon This may be one for a forum change....

What kind of documentation?

Hi, what kind of documentation? I think TBH they were told a load of lies by the sales guys and STILL don't see they were taken for a ride. I remember ages ago them mentioning not parking where we were (as in on our drive) as they wanted to put two cars on their drive like the sales girls said they could. And if we kept parking on our drive they would be blocking us in - I remember being baffled as to how anyone could imagine getting two cars there without blocking access to what was quite clearly our drive.

Hi, thought parking as it was a random parking sign - propert isn't in question. Not to worry will see what the best action for removal is tomorrow.

Just checked with a mate who is a conveyencing solicitor - he says no rights at all to put the sign up. Contact the council re: removal so we can't be accused of theft.

Hi, already checked the land details as we have them here (we got a copy with the house). By rights or way do you mean they may need it for access? Not at all - our garage is in the corner. right up the side of it is a wall (which we park against), perpendicular to that wall is ours and next doors garden gate and a wall. it's a complete dead end. The only people that would ever need to access it is us. I was just wondering whether we should just pull the sign down or whether we should make them remove it and repair the damage they have done to the wall (the deeds show it as ours). Will contact planning tomorrow and the local council to double check - if for whatever reason it is on council land will see what they suggest re removal - as in do we do it or do they.

What can I say other then you seem so chilled out! If I'm ever around your way I will live free in the knowledge that I can put signs up on your property indicating what you can and cannot do.

????? You would put a sign up on your neighbours land saying no parking and then be p*ssed off when they parked there? We have parked there since the house was built, it's our drive! Or - you would stop parking on your drive because someone put a sign up telling you you couldn't park there? (when you have paid £250k for your house).

They're firing guns, not me, what can they do if we park there - nothing! What am I now gonna do? Park there

Citizen, I don't know why they would have a problem with us putting our car on our drive on our land blocking no one but us.