a little advice please

[owethebank]

hi all, my first post

 

first of all what a great site, some great advice been given...

 

im looking for some advice too, a brief insight into our financial crisis...

 

approx 5years ago, we ran into some financial difficulties (as you do) we battled on for a couple of years paying charges for being overdrawn and for letters, returned direct debits etc...in the end we couldn't manage anymore, we changed bank accounts, agreed reduced c/card payments and took out a loan to pay back some of the debt, to get on an even keel

 

basicaly the bank charges, made our lives hell, it nearly cost us our home and marriage.

 

we are still paying the cards and overdraft today, my question is would we still be able to persue a claim for the charges even though the accounts are in arrears? after all, it was their charges that got us in this mess to begin with.

 

we dont even want the charges back in our hand, we would rather the charges be wiped off what we owe.

 

thanks for reading, any advice greatly recieved

[ladybird17]

yes, yes and yes!!

 

Have a good read through the FAQ's and the template library,and everything you can really! This will help make it clear what the process involves, the timeframes inolved etc.

You probably wouldn't have got, or still be, in a mess if it wasn't for the money they have taken from you in unlawful charges + interest, so definitely, you can go for it.

Good luck, keep us posted, and come back if there's anything you're not clear about.

[winnie1]

hi there, have you visited the chat room with any questions you might have, i've found it realllllllly useful already and i'm in a similar situation to you, see you there!

[bazak1]

no matter if your account is in arrears or not, you have the right to claim back those charges up to 6 years because if they are classed as penalties, then they are unlawful. post a thread on the banks section and you'll get some great help, plus like winnie1 says, have a peep on the chat room, theres always some of us on there, and this whole site is brimming over with bank battling knowledge.

[owethebank]

thanks for the replies

 

signed up last week and have been browsing around for a few days now, the task seems daunting but if theres a chance (which now seems a good chance) we can claim back whats rightfully ours, we'll give it a go, the hassle/stress we have been through has been a nightmare.

 

just written out the letter from the template page, to get our 6year statement for the current account. get the ball rolling then its the c/cards:eek:

 

i'll start a new thread, showing progress and hopefully if someone is in a similar situation and acts on it, it can be a help.

 

ive always said, what goes around comes around...heres hoping!