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I'm new and nervous!!


holamiga
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Hello everyone

 

I have been very dilatory on the subject of checking my bank statements and it seems now that I have paid the price. I have tended just to look at the balance and vow to tighten my belt. I buckled down the other day and noticed a DD for my bank which I didn't recognise and looked back for 2 years and noticed amounts over £100 deducted. I suspect this is about using my overdraft which I NEVER exceed. Being disabled I can't access my bank physically and am not sure how to proceed and I am not sure if my bank is entitled to charge these amounts for using my overdraft facility.

I would really appreciate any help.

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Hello everyone

 

I have been very dilatory on the subject of checking my bank statements and it seems now that I have paid the price. I have tended just to look at the balance and vow to tighten my belt. I buckled down the other day and noticed a DD for my bank which I didn't recognise and looked back for 2 years and noticed amounts over £100 deducted. I suspect this is about using my overdraft which I NEVER exceed. Being disabled I can't access my bank physically and am not sure how to proceed and I am not sure if my bank is entitled to charge these amounts for using my overdraft facility.

I would really appreciate any help.

 

Hello and welcome, I advise that if you dont have all your statements to send the SAR this is in the library. Whilst you are waiting for your statements read through the FAQS and step by step instructions this will guide you through the whole process. Start a thread in your bank forum and post any questions you have there.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-user-guide-contacts-list.html?garpg=6

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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read through the facts thread. welcome to the site and if you are not sure what this is for then phone the bank and ask them would be my advice. if it is a service they are providing then they can charge you for it if it is a penalty charge then you can claim it back. it sounds very high to me for an od

bos~ Data Protection Act sent

~ statements received

~ owed £1766.82

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

bos Data Protection Act sent

~ statements received

~ owed £1217.86

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

court date issued of the 17th november

27th oct full offer totalling everything including 8% interest court costs and £10 dpa sar..... one down next to go.

 

rbs~ Data Protection Act sent off 21/09/2006:mad:

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Thanks for reply Smoorach. I need to understand the difference between a penalty and a service before I go any further. I have an overdraft with my bank which I have been making use of. Examining my statements for the past 2 years (been very dilatory up to now being fairly innumerate, figures freeze my brain) I find that over £1,500 has been debited from my account under a ****** (bank's name) MC, DD, periodically small sums are debited under Debit Interest and I foolishly thought that was all I paid for the privilege of an overdraft. All my DD & SO are paid without a hitch and no cheques have bounced. I haven't exceeded my overdraft. I don't know if this sum of £1,500 is payment for a service or a penalty.

 

 

I have written to my bank today asking for an explanation and used 'sign for' mailing but I expect a long wait. My son says 'I shouldn't have charge of a Bank Account' and I can't deny this. If someone could perhaps answer my query I would be so grateful.

Thanks for the good luck wishes Mochamoo.

 

Holamiga

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