Out of Control Debts\Charges

trencherpilot

When I got into difficulty when I first moved away, I returned to a Barmans job 3 nights a week the same type of work that had gotten me through Uni. Kept me afloat and I got paid to go out for the night. Might not be your thing but its worth a go.

dchurch24

I'll probably be flamed for saying this, but the charges that you incur are not legally enforcable - you can get them back.

I have just recovered £180 from Smile and £1700 from Abbey.

PM me if you want to know how to do it - I will help you - I won't go into it in the forum as every time I have in the past, people seem to get very upset about it and it nearly always turns into a slanging match.


EDIT:

Also, watch BBC2 today at 12:30 and/or read the Money section in Saturdays Guardian. I explain how to do it in there.

EDIT 2:

Not on BBC2 - item is being held over to another day.

davery83

I recently got £240 of charges returned from Halifax but they said they wouldn't do it again! I explained to them that time that they spiralled out of control.

dchurch24

Abbey said the same to me on occassion - I sucessfully recovered ALL charges made on my acount over a 13 month period - with interest!!

They can say whatever they like about the charges - the fact remains that they are not legal, so you can get them ALL back - not just the ones they return to you as a 'goodwill' gesture.

...and with Smile, my account with them had been closed for nearly 2 years when I got the charges back.

davery83

Sounds good, I have a lot of charges over the last year probably enough to pay off a c/c in full. I would be grateful if you could PM me the details.

ms_london

davery83 wrote:

Sounds good, I have a lot of charges over the last year probably enough to pay off a c/c in full. I would be grateful if you could PM me the details.

Dont get your hopes up.

And remember you do still have some debt to pay off, its not all charges!!

davery83

I don't expect a lot from banks, honest.
I know that some is debt, but the amount of charges banks pile on me is stupid!

ms_london

Well, let us know how you get on.

ffs

!!!!!! wrote:

Change to a Basic Bank Account as soon as possible, I was incurring bank charges of that order before I moved to the Co-Op and I've never looked back.

Please accept my apologies if you have taken my advice and opened a Coop Basic Bank Account. I totally withdraw this recommendation, as they have now introduced a £19.50 charge per unpaid item - with no maximum!

davery83

Its ok, the fact their nearest bank was 50 miles away put me off.
I've decided to get any halifax easycash account 2 go along side my 2 other halifax accounts. I will pay off the overdraft & not use that account at all, whereas the other I have money in & will continue to pay the DD/SO etc from.

Not spoken to my parents yet, things have got better since I last posted so will have to see how it goes.
Writing everything down & budgeting for my expenses (rather than my debts) has shown me I can cover what I pay out and pay a bit more towards my debts each month! Just hope I can continue & learn from my mistakes.