M**

[M**]

Hi

 

We are just starting proceedings to claim back our Abbey bank charges that they have taken over the previous few years - can I just ask, should we open a new account somewhere else before we start, do they always close down your account

[maroondevo52]

Hi, and welcome, yes its a good idea to open another account. Don't know if they close all accounts of customers who sue but I was with the BOS for 28 years and they just closed my account for taking them to the cleaners.(nice people) !

 

Best wishes with your claim.

 

Scott.

[ukaviator]

Hi M

 

Maybe an idea to open a parachute account just in case. Are you claiming back 6 years?. I see you have charges over the previous few years.

 

Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later. Our aim is to make you aware of your rights as a consumer, enabling you to fight back against unlawful bank, credit and store card charges. In the website you will find information on how you could get your money back

 

Then look at other threads in your bank’s forum, so as you know what you can expect to happen. You can claim back your charges, and a few are trying for the payback of Early Redemption Charges on loans and Mortgages.

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily.

 

There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time.

 

Take your time and have a good read around this site. Then come and join us in our forum. Here we can guide you every step of the way. Please remember, we are here to help you help your self.

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help.

If you any questions please do come to the forum and we will only be too happy to help you!

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

 

All the info to get you started is here:

http://www.consumeractiongroup.co.uk...se-read-these/

There are more links below to assist you get around the site.

 

Good luck

Ukaviator

 

[M**]

Our charges have occurred mainly over the last 2 years, the banks don't seem to understand that the main reason people go overdrawn is because we are struggling to keep up, so when they slap a huge charge in your account it soon snowballs into a new unexpected debt. I know they are a business but we need to eat and live, their charges are unacceptable. We have had enough and we will follow your advise. Thank you for your responses.

 

M**