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mykeie

Urgent help with bebts needed

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hi i am in financial problems with loans, credit card and overdraft bebts and dont know where to turn ? i need advice on a few problems 1, i have run up an overdraft of £5000 which i have had for 3 years now with TSB and i just pay the O/D fees every month (O/D interest £74, unplanned O/D fees £69). i have my child benifit money £122 paid into that account and it gets swollowed up as i am overdrawn with the charges each month ? i have read on the forums that i can stop them from taking this and my next payment is due in on tuesday is there anyway i can get this payment from them as i am over my limit with this months charges and it will offset the money that is owed ? 2nd thing is that i am thinking of contacting one of these companies that help you get debt free in 60 months as they write to your creditors and offer them reduced payments. is this a good idea and does it work?

any help will be greatfull please.

thanks mykeie

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Get yourself a parachute bank account and get your benefits paid into that.

 

if you require a DMP contact the CCCS or debtline, they do it for free, all other companies make you pay


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Have you attempted to reclaim the excessive charges on the account ?


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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i made a claim 2 years ago and they refunded charges but i dont know if i can do it again for charges after my claim ?

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course you can


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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so i can send them a s.a.r for charges after my 1st claim and are they for the unplanned O/D fees ?

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yep


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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I have claimed back twice from one bank !! and i'm in the process of claiming for the 3rd time !! so yes RECLAIM THEM !!!


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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first of all thanks for the replies it give me a lift and boosts my confidence.

Let me tell you about today after i read a few replies i went to see the manager at TSB. i told them i am in financial trouble and i cant afford to repay the overdraft and the charges are making things worse! she put me on the phone to a collections department as they say my accout had been passed on to them but nobody had informed me?? i spoke to a man who just said that i need to repay the debt and there was nothing he could do to help. after reading other threads on this forum about banks i let him have it and told him what i wanted! i want the interest stopped and want unfair charges put back onto the account which will reduce the overdraft and with the interest stopped for a while i could repay some of the debt. so let it be known that i have offered to repay the debt as i know the telephone conversation is recorded ? it seem to through him out of his stride and he then said that he will stop interest charges for 6 months then it will be reviewed!(quite a u-turn dont you think?) but he could not fefund any unfair charges. i said i was happy with the offer and would take the next steps to reclaim the charges myself. also they have now stopped taking my child benifit as payments for charges.(more info from the forums.what a help)

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well done you


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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