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Hi First Time Iv Intorduced Myself, Great Site Thanks For All The Information.

I Have Been Following The Process To Recover My Bank Charges Adding Up To £4289 I Have Recently Sent The First Preliminary Approach Letter Only I Am Concerned About My Account Being Closed By Tsb. I Have Approached Various Banks To Open A Parachute Account And Because I Have Bad Credit I Have Been Refused For Natwest Barclays And Halifax. Any Suggestions Or Comments Would Be Appreciated


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Hi Mrs B,

Welcome to the forum.


The banks are unlikely to close your account on first claim.If you are worried that they might do so please read in this link;



Please take time to read the faq's

Please find your banks forum and start a thread;

(your user name) V (banks name)

Other members with experiance of your bank can offer informed advide.

use the template letters in order. Stick to the timetable in there.





Templates Library....

If you have charges going back further than six years read in here;


There is also live chat, visit if you need any quick advice.


Finally good Luck.



If my advice helps please tip the scales, left.

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Guest louis wu

Have you been asking for the 'basic account', or a full blown account with all facilities?


My rating is poor (putting it mildly), so I went for a Nat West step account, and was accepted without being credit scored. It is basic, No o/d (but didn't want one) no cheque book, and just a Solo debit card (but never had a problem with it). My 'behaviour' with the account has been good enough to have them ask me if I wanted to upgrade. Believe it or not, I said no, as I find it ok as it is at the moment.


There are plenty others, and I am not on commision with NW, so have a look at the basic accounts. Don't forget, its just in case they close your a/c, they don't always do it.



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