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bank charges ,anyone help please ***Resolved***


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At the moment like many we are struggling like most and



we have help with the rent form the government at the moment ,



first I admit we were not good keeping a track ,



but the point is our help went into the bank and the bank took it in charges ,



can they do this without notification that they are going to ,



we didnt realise we had any charges ,



,thank you in anticipation ........

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Hi wearenotnumbers


Make a 'hardship claim'.


You need to personilze the templatelink3.gif below. Banks don't like templateslink3.gif.




(Your name and address)



(Name and address of bank)




Dear Sir/Madam,



Account number:



I am writing to reclaim all bank charges on my account(s) (since X date, when you believe you entered financial hardship). I am unhappy that these charges have been applied to my account and in this letter I am registering my complaint and I request that you immediately stop applying further charges to my account.



I need you consider my case as a matter of urgency as I believe I am in financial hardship. This is because (state reasons: i.e. you are unable to meet priority financial commitments including, but not limited to, council tax, food and utility bills. If your income includes benefits state what they are, and give details of any circumstances which have changed recently i.e loss of job, relationship breakdown, serious illness, stating how this has affected your financial situation.) I attach evidence to show my monthly income and outgoings.



I therefore request that you repay all my default charges since (X date) which total (X amount).



Under the FCA guidelines, (name of bank) has 8 weeks to resolve my complaint. I trust that you will deal with my case within this period. If not, I will refer the matter to the Financial Services Ombudsmanlink3.gif.



I look forward to receiving a full response to this letter within 14 days



Yours faithfully,





Here's the next step, if they don't refund.



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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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