Bank Charges - illegal?

IN_LIKE_EVERYONE_ELSE!

Dear DChurch 24, this is one of my favourite threads, I am wondering if your behaviour towards the banks has affected your credit rating in any way? A late charge will click up the credit score-o-meter won't it?
I am about to ask Halifax to send me a breakdown of all the charges they have made against my card account since I have had it, do you think they will be able to do this?

As for their customer services, if they actually got a human being to call me I would willingly talk to them, at the moment a machine calls my mobile 10 times a day and asks me to press 1 and then the line goes dead, useless, they have to be the worst, £25 quid charge on an £18 underpayment, I now feel like I do not want them to have a single penny of mine.

IN_LIKE_EVERYONE_ELSE!

Single penny of theirs !

dchurch24

It has effected my credit rating - in a good way.

Every time a bank wants to settle, I have insisted that they repair my credit report too. Also, with the money I have gotten back from banks (and my partner) we have subsiquently paid off debts (that for the most part, were caused through 'illegal' charging - we have it down now to an easily managable 3k) and that has improved our credit rating (we just remortgaged, so our credit can't be too bad!).

So, in essence - you have everything to gain.

If you need more specific help, or pro-forma letters, spreadsheets for interest, or just want to see how everyone else is getting on with getting their cash back etc..., come over to the https://www.bankactiongroup.com forum.

mad

Hi when I click on the link above I am getting a blank page. I would like to have a look at the site

dchurch24

Sorry, I've just 'upgraded' to another host - it seems that the site is down at the moment - I'm trying to get hold of someone at the hosting company - but as it's Sunday (????) the 24 hour line is just ringing and ringing.

scoobysnaks

Just surfin by...

Thanks for the info and Keep up the good work on behalf of many thousands of poor people mr dchurch.

Regards.

spankymonkey_2

i have just sat here and read all the posts ! can i say what an excellent job you are doing, i have contacted A+L via their contact us link just to see what the responce is concerning some charges on my account over the past 3 months .which i got as my wtc hasnt been paid into the account and DD have gone back unpaid.heres hoping!

dchurch24

The bankactiongroup forum is back up now if anyone want to go there and read the faq, letters etc...

spankymonkey_2

well got a reply!they cannot discuss charges via email i have to ring them, nooo way i am going to write them a letter, make sure they get the info without any butting in, also im terrible on the phone... i have read the templates for the letters regarding court etc is there a template for an easier approach? considering i dont care about the 6 years previous that i may have been charged i just want to clear my bank debt i have now? thanks

pink_fairy_5

Well with the help of this forum, dchurch in particular i have finally completed my moneyclaimonline against Abbey. (have been waiting for the money to pay the costs!)

Am so happy to have finally done it

Thanks to everyone on here and i will update as soon as i here anything x :T