I need help

laura2481

Just checked my bank account and they are charging me £168 in fees for some payments they honoured when i went over my overdraft limit this month. I bought some thing in Argos for £9.99 which they have charged me £35 for. ANd actually Argos took the amount twice- i only bought one thing but they took £9.99 twice and i got charged £35 twice so that was £80 for one bloody toilet seat! (which i what i bought!) But i threw away my receipt so now can't proove i only got one aaargh! They are also charging me £35 for £1.46 paid to Tesco and £35 for £7.80 to Tesco!!

I don't know what to do. I can't afford the fees. I am already £78.42 overdrawn and my limit is £250 so now I have no money and no way to pay! And I still have my Barclaycard bill to pay!!!!

Actually just checked my statement and Argos refunded £9.99 but still getting charged £35 for it and it was their fault! AAAARrgghh! Don't know what to do.

This is the same as an earlier post but no-one was looking at that and i need advise!

I feell totally alone. like everything i try goes wrong and i end up taking two steps backwards. I don't know how to go forwards, i don't know how to make my boyfriend understand how bad it's got and i need help because he doesn't help he just gives me a loan which makes things worse and gives me something else to worry about. i drink too much and right now all i wanna do is cry, and drink the red wine in the kitchen. point proved

**Amy**

Hi

I would phone your bank up.

Explain the situation with the argos thing, and they *should* refund you the £35 for the one that Argos refunded. As for the others you may just need to plead to them to help you, say that you had a bad month and if they could help you out it would be great.

Maybe ask them to take the fees spread over 2 months rather tahn one? But your best bet is to phone them and see what they say.

Re: Your barclay card, how much is your minimum payment to them? Is there anyway you could borrow some money from family to get you through the next couple of weeks?

Do you do a spreadsheet so that you know exactly what is coming in and going out of your account? If you dont you really need to, as I found this so helpful.

xx

10past6

laura2481 wrote: »

AAAARrgghh! Don't know what to do

Have a look at this thread

Jesthar

Hi Laura,

You can reclaim back bank charges, as they have been ruled unfair by the courts. Currently the claim process in on hold for most people as the banks are challenging the ruling (and about to lose!), but you may have a case for financial hardship - have a look at the followign link:

http://www.moneysavingexpert.com/reclaim/bank-charges

Also, have you ever had any credit card charges? You can definitely reclaim them without delay if you have - see here:

http://www.moneysavingexpert.com/reclaim/credit-card-charges

I'd also suggest you try to stop using your card for a while, and instead withdraw a cash budget to live on - it focusses the mind immensely and helps stop you going overdrawn.

Do you have a recent Statement of Affairs up anywhere to give us a better idea of your situation?

Hope that helps,

~Jes

jellybean08

hi laura
i just posted in your other thread but def challenge the charges with the bank as they're not helping the situation