where do i start?

[dannii2007]

last month i had done shopping and i had checked my account a couple of days later i had about 30quid in the bank so i took some money out but then at the end of the month my account was 40quid overdrawn, when i questioned it at the bank they told me that the money had come out for my shopping, that was all, even though the money i had taken out was 'available balance' not 'ledger balance'. i got charged 30quid for that. i had forgotten all about it until i went to get money out of my account today and again i am about 40quid overdrawn, even though i had a letter on saturday telling me that they hadnt paid a direct debit as it would have made me about 2 pound overdrawn i had some money in the bank.

 

this isnt the 1st time the bank has done this as my aunty told me it has happened to her, when she questioned it they put it down to a 'new system'

 

the problem also is that a few years back i was overdrawn as i had a 50pound overdraft and i had lost my job so the bank sent my account to colections and it is still with them so i have to call them whenever i have to deal with anything to do with my account, i am a mum to a special needs child and i also work part time, so i dont nessisarily have the time to call them, surely my account should be back with the bank by now??!!

 

i want to claim my bank charges back,as does my mother, but we just don't know where to start. we know we have to contact the bank by letter to request the last 6 yrs statements, but what then?

[dannii2007]

forgot to say, i also have a select account and pay 7pound for that, but i dont have any of the benefits that goes with it. i was told when i was younger that i had to have the select account to have a visa card as i had a visa electron. i have had this account for years now and it was only last november that i had a visa

[BARTY]

Hi

I would start by having a read of these links:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html

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

 

Unfortunately you can't claim back the monthly fees that you pay for the Select account, can you cancel it if you are not getting benefit out of it?

 

Good luck, let us know how you get on.

Barty:)