do keep positive kulmeister...itappears there have been a lot of injustices undertaken by the banks, as is being made very clear by this site.. your situation seems to be very common reading various other posts where the bank have either consolidated loans or made arrangements with the customer to pay them back with extended and extremely expensive repayment plans...surely if these compound loans and repayment plans were the direct result of unlawful charges there must be some redress on the banks.?perhaps the mods can help on this one? has anyone ever contested a consolidated loan or repayment plan after winning there charges back from the banking institutions?its really beneficial getting ones charges returned but it appears a lot more serious debt has been inccurred by the consumer from the banks refinancing overdraft facilities brought about by unlawful charges under the disguise of assisting the customer to rectify a default position which in essence is unlawfully charged in the first instance?

i fail to see where you are coming from on this blacksheep...the fact that bankcharges are applied unlawfully does not stop the banks from making these charges...as is the case with being missold protected payment insurance policies, they were sold to the consumer without the full terms and conditions of the policy being explained to the consumer and have since under the guidance of the oft have been compelled to introduce a customer care proceedure to follow when selling ppi to ensure customers are made aware of this policy... given also that this loan was also arranged to amend an excessive over draft position which was caused either partially or fully by unlawful charges i am unable to see where any advice you have given to assist these people on the forum is in any way beneficial. surely this exceptionally good site is to assist in helping these people who have been put in these awful positions to overcome and challenge these dubious agreements?:-|

i fail to see where you are coming from on this blacksheep...the fact that bankcharges are applied unlawfully does not stop the banks from making these charges...as is the case with being missold protected payment insurance policies, they were sold to the consumer without the full terms and conditions of the policy being explained to the consumer and have since under the guidance of the oft have been compelled to introduce a customer care proceedure to follow when selling ppi to ensure customers are made aware of this policy... given also that this loan was also arranged to amend an excessive over draft position which was caused either partially or fully by unlawful charges i am unable to see where any advice you have given to assist these people on the forum is in any way beneficial. surely this exceptionally good site is to assist in helping these people who have been put in these awful positions to overcome and challenge these dubious agreements?

surely how the accounts were closed is not really the issue here...the help freely given shows only what could happen given that the account was closed and the proceedures that occurred following closure..if you do choose to reclaim charges and your account is closed, then surely being forwarned of any issues that may arise because of that closure is totally beneficial to you?? is this site not about helping each other and making each other aware of any pitfalls that may arise during any actions we choose to follow?