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Just wanted to say a massive thanks to everyone involved in this forum, it really is a great resource. I have now sent my initial letters off to Lloyds TSB, Halifax and Capital One - whom I was amazed to calculate owe me a combined total of £1,220. I had no idea that their charges had stacked up that high, and it aggrieved me to revisit in my statements the fact that on many occasions their heavy handed penalty policies actually pushed me over my overdraft limit and caused me further charges for the following month.


In my opinion it is a totally unscrupulous practice which preys on those who are most in financial trouble.


Anyway, thanks again.

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Welcome to the site.


Good to see you are up and running.

Please start threads in the respective 3 bank groups for your claims.

Reading other threads in those groups will give you a good insight into the procedures and you can share your progress with other claimants there.

Help is never far away should you need it.(ps for Capital one open a thread in "other institutions section " );)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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