Spare the lectures, please

Louella68

I had a successful 'reclaim' in 2006/7, whereby my bank offered me two thirds of the 'unfair charges' levied on my account, and as I was desperate for the money at the time I accepted this. They put pressure on, saying that all claims were shortly going to be frozen. However, as part of the offer I had to sign to say I would agree to future charges (how naive was I??!!). I then had a period of being 'flush' so no charges were ever applied to my account, but now I'm getting into difficulty again and have had a number of £38 charges this month. I'm wondering if I would be able to make a claim for these if and when this matter is brought to a conclusion (assuming it is found that the banks have been acting unlawfully).

I'm new to this forum, so apologies if I sound like I know nothing!!

Andy_Hamilton

I think it's time for you to move your account.

militantconsumer

Signing up to agree to future charges is no different to when you signed up to the original charges. In other words, just because you've signed something, it still doesn't make it legal.

I suggest you put in a new claim but be aware that, unless you can prove financial difficulties, it will get frozen until the court test case has finished.

Also there is a risk they will close your account if you complain again. So you might want to consider setting up a back-up bank account first.