if you record calls you are obliged to advise the other person you are doing so that other person also has the right to a copy of the recording its illegal if you dont advise recording or when asked produce a copy for the asking party

just got a reply from my 1st letter to citi bank over charges on a account which is now paid and closed down, they say the after pointing out the oft investigation on charges 5th april 2006 etc etcthat the charge = change in amount 12.00 is not retrospective and not entitled to claim the charges back goes on to say can contact fob if you want or call them if have any more queries signed matthew jones office of chief executive pv 0800 146 188 so do i still saend my lba letter as previous please advise

is yorkshire bank address as same as clydesdale bank in glasgow

how far can you go??? can you claim on a closed bank account from 2 years back all mine are closed 2004 credit cards + a yorkshire bank got hammered for charges on all but paid em off and now credit card free and new bank acct is direct debit free

i closed all mine around 2 years ago and agreed a lesser settlement figures than was actually out standing can i still claim for the charges they hammered me for before i paid up

what a funny reply but are u not doing exactly what we are all trying to do to stamp out?? excessive charges, sending a letter for 30.00 makes you no different from the banks

maybe all this goings on with charges etc etc might bring a end to free banking as we know it??dont get me wrong £30 /£40 for a direct debit returned is crazy and as most debits retry all of a sudden 1 direct debit returning for what ever reason is 80 quid, (weeks food bill) but havent we been railroaded in to having everything paid by direct debit by virtually every high street shop, etc etc whats happened to paying in books, i can see the banks charging a fee for using direct debits, whether successful or not, and even going as far as taking these floor limits off debit cards so no money in the account you cant use the card.(cant go overdrawn then)how do other people in other countries deal with bankin matters as you never hear of thing like this going off

i have telewest services etc etc each month because i dont use direct debit they charge a extra 4.00 on top of the bill each month could i claim this back ? as a unjust /unfair charge, i actually call + pay via debit card each month and once authorised get a reciept number so im paying telewest there +then which as got to be better alround

hi mi first post so here goes had a credit card that i closed about 2 years ago after paying it off and did get hammered for late charges+ over limit charges at the time when i had to card can i claim for these charges back or is it just accounts that open ???