Hi, Im new!

[1stlifeline]

Hi All.

 

I have only just found this site today and though Im finding it a bit confusing at the moment Im sure its going to be a great help. Im really struggling financially and am desperate to get my head above water again. The bank isnt helping though. Only today I got 2 letters, one from the bank telling me they have not paid a DD to my car insurance company ( I was 1.20 short in the account) for this they are charging me £39 which will be taken out on the 9th. I have also had a letter from the insurance telling me they are taking an extra £25 from me when they represent the DD on the 13th. I have had to cancel another DD due out on the 10th as there will be no money for that after the bank take the £39. What I need to know is, as I also have arrears on my credit card will it make it impossible for me to try to claim back my bank charges. Thank you all.

[dollies01]

Hiya and welcome!

Having arrears on your credit card wont make a bit of difference to your claim with the bank, you can claim back unfair charges from your credit card too!

Take a few days to read through the frequently asked questions and answers, and as many threads as you can. There are so many stories similar and worse than yours and you will soon feel much better about your situation.

If you have any problems understanding anything, or need any help at all just shout!

Good luck

[Michael Browne]

Welcome.

 

CC is a separate agreement and you can claim back over the limit and late payment fees too

 

First and foremost, before you start please have a thorough read of the FAQs. This is a must, no excuses. There’s a Step by Step guide here too. You should print these out to refer to later, so as to avoid having to ask basic questions.

 

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. Here’s one to start with, which you should find useful later:

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/53241-cant-find-what-youre.html

 

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

 

This is a self-help forum and you must be prepared to put in the time and effort required. It’s your claim, your money and you cannot expect others to do all the work for you.

 

Then look at other threads in your bank’s forum, so as you know what you can expect to happen. At the top of each bank’s forum is a Successes forum where you can follow previous claims against your bank from start to finish.

 

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. Always stick to one thread, so people can see what you’ve done so far and therefore can give you better advice.

 

The FAQ’s, Step by Step Guide and all the info to get you started is here:

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

 

Finally the Moderators and Site Helpers are having to spend far too much time dealing with unnecessary and avoidable errors in claims caused by impatience, ignorance or just plain laziness. If you don’t know what to do next, ask. If you don’t understand something, ask. It might be a dumb question, but it’s a lot easier to sort out than a dumb mistake.

 

Good luck

[1stlifeline]

Thank you so much for the reply. It looks so daun ting at first so I can understand what you say about reading evrything through first. Dont think there will be much TV for me for the next night or so!