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Hi

 

Totally new and Green unfortunately, have been reading as much as I can for a couple of days now. I found myself -£33 overdrawn (unauthorised) after the Halifax had taken £75 out of my bank to pay for £20 unpaid direct debit, I have range them of course, to no avail, it really P****d me off that they couldn't honour the £20 but took it out quite happily once my peanut £42 family tax credit went in the bank!! I am a little apprehensive, but I must say the lovely guy at the halifax (3rd call) did actually advise me to write for my 6 years bank history?? I have my mortgage, insurances, savings (none of course) with the Halifax and they wouldn't even give me a small overdraft when I asked for one months ago telling me I didn't manage my bank account properly, cheeky sods, hard these days working full time, 2 kids etc, I just can't seem to get out of paying for the bank charges.

 

I would love to hear from people, giving me a little kick up the backside to do something about it

 

Thanks so much

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hi mousey.. well i'm your kick up the backside..

 

I have had these people and they paid out in full, 6 years worth.. over 2k

 

I have posted some links to help you on your way. But don't sit back, just go and do it TODAY......

 

The process that you will follow is relatively easy but IS NOT a get rich quick scheme. Spend time reading the FAQ pages as this will stop you making mistakes along the way. Read as many threads as your eyes will allow, you will gain invaluable knowledge which will give you the confidence you need. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. Then start your own thread under the relevant bank and other users will help and guide you along the way.

 

Everyone is very friendly and keen to help.

 

You must always remember that this MAY lead to court, so far it hasn’t, but it may do. We will all be there if you end up being the ‘chosen one’ so don’t worry, it’s a long way off.

 

Please also understand that any advice that you receive is normally based on experience and expert advice should be sought if needed.

 

I have put some useful links onto the thread that you can refer to when needed.

 

Oh, and if they are useful please click on my scales at the bottom. This just shows that I have been a good boy!!

 

Good luck. See you at the other end……

 

FAQ’s

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Letter Templates

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

Interest Spreadsheet

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Court N1 form

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Court Bundle

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

 

Bank Contact Details

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html

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