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need some real advice here plz


DCG
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PM me.

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Yeah - it gets like that pretty quick.

 

Should be ok for the next few minutes though.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

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  • 4 weeks later...

after d/l of me last 6 month statments i decided

to go for it

the total for the last 6 months was £1055.00

THE ACCOUNTS bin goin 2 years and is a joint account for me and the misses

 

now as were on bennefits ie i cant work as shes bin realy ill

wat do i do next

 

and as for ppi on loans and cc lol they dont want to no

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Hi,

 

You're in the right place to reclaim your charges. You say your account has been active for two years, yet you suggest you are only going to claim back six months worth of charges. My suggestion would be to follow the steps laid out below, make a DPA request, and reclaim charges for the last two years.

 

It really does take a few days to get your head around all the arguments and all the information.

 

You will be setting a timetable (the timetable that the bank says it will work to is irrelevant). In the FAQ you will find 'Step By Step Instructions.' Start this, be clear on what your first step is (requesting the info from the bank so that you can calculate what they owe you)

 

Whilst waiting for the info, read up on your next step. If you make sure you stick to your own thread in the relevant area (eg [username] claim against [bank]), and use this as a sort of diary which you can update as things progress. It will also enable you to check responses to your questions, and people will be able to find your thread a lot easier.

 

Good luck.

 

You are here, you want your money back, you will get help and support in this, but it is YOUR call, and you must be prepared to put in the effort.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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have asked for info from the start of the account m8

 

and thanks for the support

 

i do no how the forums work as i am a modderator on another one but totaly diffrent to this subject

 

cheers regards and respect :)

 

dave

 

ps this link is posted on most of the forums im on so you will get more members

 

thanks to the shack

 

the den

 

and dudez

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is it possible to split the clame in 2 just in case its over 5000

ie i clame 2500

 

the misses clames 2500

 

its a joint account sorry

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  • 1 month later...
is it possible to split the clame in 2 just in case its over 5000

ie i clame 2500

 

the misses clames 2500

 

its a joint account sorry

 

If you've only had the account for 2 years I doubt that it will be over £5,000. Use Vampiress' spreadsheet in the bank templates library. It's quite straightforward to use, but if you have any problems with it just post on here and someone will help.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Wait and see what the total is before you worry about it being over 5k

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 3 weeks later...

had me incap benefit in the bank yester day checked on line banking

£213.30 in benefit in giving me a total of £220.38

 

took £220.00 CASH OUT leaving just £0.38 p in the account

came home printed the statment off

 

checked on line banking again this morn they had moved the in payment

and thaken the money out wich throw me over me overdraght by £190.00

is this ligal shorley not how and who do i report this to

 

1 the police fraud squad

 

2 the dept of fair trading

 

3 the banking ombuds man

 

and i kept the cash resipte from me with drawal

 

any body advise plz

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Hey,DCG. Think everyone's gone for the w/e!

If you have proof of your balance at £220.38 one day, then a different set of figures the next day [i.e.the printed off copies], why not photocopy these and send them to A&L (or take them to your local branch) and ask them to explain the discrepancy?

If they can't explain to your satisfaction they should then tell you how and where you can make an official complaint. :cool:

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What are you trying to say?

 

Your benefits were paid in and then reversed?

 

Or you've had £190 charges?

 

And where do the fraud squad come in to the equation?

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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What are you trying to say?

 

Your benefits were paid in and then reversed?

 

Or you've had £190 charges?

 

And where do the fraud squad come in to the equation?

no you want to see these online print outs there (edit) people

 

(edit) accounting

 

Moderated : for the protection of the site please do not post comments that may be viewed as libellous .

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Online banking is about a day or two behind in showing your true balance on your account, longer on weekends. This is nothing to worry about. If you need to know, try your telephone banking, this will also tell you if you have any outstanding credits or debits due on your account.

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  • 4 weeks later...
  • 12 years later...

This topic was closed on 2019-03-08.

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

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