Bank charges shock

[gem24]

Have just found out that my wife(separated) has been getting stung for about £200 a month by her bank, from at least jan/feb 08, and possibly earlier. The total charges over the past year are building up towards £4000. She earns less than £6000 per year part time???. They are charging her £15/20 per day on their own charges which put her in a spiral of debt.

 

She has come to me in desperation. In the summer she was helped to ask for charge statements and recieved them, then she sent a letter asking for the money. The bank said that the claims were on hold or something, and refused her request. They even refused when she was helped to ask for her money back due to financial distress, they just continued to whack her with charges.

 

Looking through her statements just now, she is getting hammered by them. I know you people can advise the best way she goes about things from here. They have taken nearly all her wages in charges over the past year, putting her massively in debt. Can anyone help please, Tom.

Edited November 14, 2008 by gem24
spelling mistakes

[PGH7447]

First thing to do is open another bank account and get her wages paid into that.

 

If she has already tried to reclaim the charges how far did she go, did she send a letter before action or has she already done this?

[gem24]

She was helped to get the statements with all the charges in the Summer which were approx £2250. She sent the first letter but they rejected her claim saying the court process was on hold, she then was hepled to send a letter of hardship(no spreadsheet of accounts provided by her) to which they replied that they were sorry, but until the court process was finalised, they could not help.

[PGH7447]

Thats correct the court case is still on going, therefore she should open another bank account asp, so that her wages are not swallowed every month

[gem24]

Thanks for the help