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Hi, Ive just joined this site as I was referred by a friend. Last week I was charged by the bank AGAIN and when I tried to rectify this the bank said in no uncertain terms they would not re-imberse me with this money and that I would have to pay. I physically cannot pay these charges at the moment. If anyone can help me on this I would be really grateful as this has happened numerous times. I have heard rumour about letters etc that you can send into the banks to get your money back but Im guessin its not that easy is it?

Someone please help me!!!!:confused:


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Hello and Welcome,


Please read all the F.A.Q.s and Step-By-Step Instructions. Have a look in your Banks, forum, read a few threads then start one yourself. Keep your thread updated as people dealing with your Bank will help you out. There's plenty of people on this site in the same boat as yourself. Try to take in as much information as possible, before starting your claim as mistakes can be costly. Just remember it's your money and if you follow all the right steps, you will get it back. Also have a look at your Banks sub-forum Successes, that should give you some confidence. Never be afraid to ask a question if you get stuck, someone will always help you.


Best wishes with your claim.






Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi and welcome to the site,



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!!






Useful links to help with your claim






If my advice has helped please click my scales


Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)




Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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