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Thank god for you guys! I thought I'd had it


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Hi! What a relief to find you guys! I had the shock of my life today. I was expecting to be a few quid over my 500 quid o/d limit with Abbey on my current account and got the shock of my life when I found I was actually a total of 1,260.53 o/d (ie 760.50 past my authorised limit). My money management skills are not the best but I haven't been on a wild spendning spree. Most of this 760.53 debt is direct debit returned charges and then attendant charges that the bank cares to apply. My situation is that I have had to give up work to become a carer to my father and I had to live off my savings whilst I am waiting for my beneift payments to start - which are delayed. I accept that I could have acted sooner, but I'm already contemplating life on a much reduced income there is no way I can deal with an extra 760.53 of debt. I called Abbey to explain and all they could say was that I should sort it now because even more charges were pending. Do you think this is reasonable? Do you think it would be worth my while sending the letter in the blank temples file? I have in the first instance asked for my statements going back a couple of months to track down the charges.

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its your money, so if you want it back

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Mortgage Express charges- settled in full after issuing claim

 

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To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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Thnaks for the reply - I'm gonna get on it. Do you know if it is reasonable in the initial letter to banks to request that they stop putting any further charges on my account - or wouls I have to go thropugh this process a second time - it's just that when I spoke to the bank they said that they would continue to keep adding charges.

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Forget it. They won't agree to a request like that.

I'm afraid that they will continue to levy penalty charges for the immediate future, at least.

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