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Just a quick note to say Hi and to ask for words of encouragement.

i have read quite a bit on the web site and i am tempted to make a claim but i have not been the best steward of my money and there is a large part of me that thinks that this is what i get for not managing within my means.

Am i wrong to want to back off or should i pursue this claim?:confused:

 

Foxey

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Hi and welcome to the site,

:p

 

You've definately taken the first step into claiming back what's rightfully yours.

 

Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

 

Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

 

Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

 

All the best in your claim!! :wink:

 

DELLER

 

 

Useful links to help with your claim

 

FAQ’s

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

 

Letter Templates

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/

 

Interest Spreadsheet

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Court N1 form

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Mcol Particulars of Claim

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Madamfox

 

Nothing ventured nothing gained.

 

It may well be the case that you have not managed your funds within your means but what is important to remember here is that the case for requesting the return of the charges is based upon the fact that the charges levied are not in proportion to the level of work that the banks have to undertake should a cheque bounce or a direct debit be returned due to lack of funds and not due to bad management of a particular account.

 

As such if I was you I would write to your bank requesting the last 6 years statements and then request that they be repaid to you.~

 

Let us know how you get on

PPMAN159

 

If this comment has helped please click on the scales.

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