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Hiya Silas here day 1


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Hi there everyone, I am Silas, I will be trying to get my monies back and will read as much as I can, my printer is out of action and the spread sheets need an extention, I tried to open the spread sheets but I need new software and microsoft said it doesn't recognise your software place.


simmilar to how it say's can't find software for my epson stylus c84 most common printer on the market.


I hope I can manage to get the spread sheet.


Also it doesn't seem clear as to what charges are illegal as I was overdrawn many times and the bank pay's a debit making me further overdrawn and then a fine plus the fine I allready had for being overdrawn.


I also read that the new laws are to only allow banks to charge £10 not £30 any longer.


It doesn't seem clear at what point the charge becomes illegal for instance you are allready overdrawn when a debit comes through and an extra charge.


last week I christmass shopped and useing my visa electron have an overdraft limit of £200, eventually I spent that £200 shopping and hit the barrels bottom and a sale from my visa electron was denied, this meant I had reached my £200 overdraft limit and could spend no more.


Then the next day I got a ATM reading saying I was £280 overdrawn even though it was imposssible to spend over £200 on my visa electron and got a fine.


I reckon the bank owes me a large ammount of money over the years and I hope I get it all.


I'm a bit worried how I get 2 fines in a day and one is for my bank loan or Direct debit charges and they will say that the charges were fair since I have an overdraft on my account wich I exceeded.

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Okay first of all you seem to be very confused on the process and the laws surrounding this, you need to take your time and read the FAQs and step by step guide and other self help material closely. There is no accpetable amount to charge as the banks won't say what the charges are made up of.


Anything that you have been charged for in the way of a penalty (eg something the bank say you shouldn't have done) is a penalty charge and can be claimed back.


Do a LOT of reading, start a thread in your banks forum and tell us your progress, asking any questions you cannot find the answers to on the site. :)

Ex CAG helper ^_^

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