I found out recently that the when you receive bank charges for say missing a direct debit by not having sufficient funds in your account, resulting in receiving a letter which tells you you;ve been charges £30...putting you further in debt...well this is illegal !
Go to this website, I used it to guide me through process ! Register to use the Forum ! and gain access to all the relevant documents !
http://www.penaltycharges.co.uk/
You're allowed to go back over the last 6 years and claim back all the charges that you've recieved ! It's easy...write to the bank asking for the last 6 years bank statements (normally costs £10), add up all the charges then write to the bank asking for the money back. If they refuse, take them to the samll claims court wher you can add on 8% interest for each cost plus court charges !
I have just taken the Halifax to court for £4850 and won !
It is illegal for them to make the charges if they are a profit making business !
2006-08-24
23:01:12
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14 answers
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asked by
stdaveuk
3
in
Personal Finance