Newbie with the ball rolling now.

[megy34]

Hello all, just thought I would do the decent thing and say hello, I have been registered on the site for a few weeks now while I was looking into all the pros and cons of whether to actually claim my charges back, and I can now say that the first letter(statement request) has now been sent. Well waiting for 1 question to be answered in the relevant bank section.

 

I do however have 1 question that I have not seen an answer to, What can the banks do if you are currently using an overdraft, I have read that they have been known to close an account of someone who has claimed the charges back, but if you are using an overdraft with them what can they do?

 

I am sure this will not be the only question I will have in the coming weeks, and if I need to ask the question above in a different area of the forums, please guide me that way. Do I need to start a new thread to chart my progress to post questions and get answers?

 

Thanks all, hope I have as much success as most on here!

[mrsfoot]

Hello and welcome to the Consumer Action Group!

 

There are a few things that you must do before sending letters off left right and centre. By following the steps correctly you save yourself and others a lot of work!

 

• Read the FAQs. Print them out and take 2 -3 days to understand what it is you are about to do…..you wouldn’t just jump into a lake for a swim unless you knew how to swim, would you??
  
• Understand the process. Don’t try to start halfway through, it won’t work. Its time consuming but at least you won’t be making any mistakes in getting your money back!
  
• Read through the relevant forum for your bank claim. Here you will find others journeys, celebrations and queries, most of which will help you in your claim.
  
• Start a thread in your forum, and keep it in your favourites so you can find it easier. Call it your name v bank name for example. Here you can log your own journey, ask questions and most of all offer another thread for a newer person to read (see you are giving something back already)
  
• It’s your claim; you have to do the work! Its not easy, can be very frustrating and at times you will feel like throwing the towel and letting them get away. But keep on going, seek advice from mods / site helpers/ or anyone else who is on the forum, great place for this is the chat room, try it out!

With regards to your overdaraft and banks closing accounts, this is very unusual. Banks have been known to pay your charges back via cheque which must be paid into your O/D account which means it clears you O/D off. Not a bad thing in itself really. Although you can ask the cheque to be made out to you rather than your account, but thats far ahead of yourself at the minute.

Good luck