Low Income and The Big Bad Bank

[lgwilliams]

Hello My name is Lorna Williams

 

Today I finally put together the bank charges that mybank have charged for the last five years.

Reason being that I have only been with this bank for this period. I have incurred unauthorised overdraft charges just by being £3 overdrawn. Also the bank has taken charges out from Child benefit for my husband's charges from his other account.

I could go on and on but I just don't think its worth it. I was registered disabled in 2003 and the bank has not helped at all. In fact they have been even more unaccommodating.

But as someone who worked full time before then I just feel the banks are only for the well to and not for low incomes.....

[thewifeandI]

Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!

 

One useful thing to do is to move your account to a different bank group from your husband's - this way they can't move money between the accounts to suit themselves.

[lgwilliams]

Hello Again,

 

Well I received an offer from Halifax, however, they have implied that they will close the account when they feel like.

Which is why I tried to open a separate account at another bank only to be told by Lloydstsb that I could not. I was only trying to open a basic account but was told no. So whilst I want to accept Halifax's offer I feel hung over a barrel if they get funny with me.....