£700 in one month - Bank Charges

willo65

if you can't budget or are having difficulties then why haven't you cancelled d/d's?? thats the first thing I would do so you wouldn't get any unpaid fees from bank. And there is clearly a budgeting error if every month you don't have enough funds in account, sounds like your son has same problems so I think you need to write down everything going in and coming out and if you use Point of Sale then stop and use cash machines only.

AverageJoe_4

esmerellda wrote: »

Hi xx

Firstly ((((((((((((((((((((((((((((((hug)))))))))))))))))))))))))))))))

Secondly - Get your money away from Natwest.

Are you on benefits now or another income? If benefits then you can arrange to pay them into a post office card account or another basic bank account quite quickly. Get out of the circle of charges.

Are you paying bills by direct debit ? When you are on such a tight budget then have you considered moving to pay by cash/paypoint, even for a short time while you are so tight moneywise.




Thirdly - get a hardship claim for a refund of all your charges in with Natwest, and get your son to do the same with HSBC

We'll help you with the hardship claim.

Yes the bank are 'allowed' to take benefits...if they are giving advance notice you can get him to try 'first right of appropriation' if he needs the money for essential living expenses. He needs to get the money out of there and find out the reason for the charges and break the circle.

1 Break the circle by moving your money - 2 Claim back all the charges


Hope that helps a bit for the moment

PERFECT ADVICE


yes yes yes, open another account with a bank you have no issues with and move JSA accounts to be paid DIRECTLY into there - move all dealing from Natwest ASAP....

Dont tell the new bank about the NWst problems, fill in the form and create small talk.... ! seriously!

arunadasi

SB22 wrote: »

Hey all,

I am writing this, totally overwhelmed as me and son plan our bill payments to within £3. And I log in tonight to see that have taken another £90.

I am totally devastated how this bank is not helping my already unstable situation. All I get from them is "Well if there is no money there we can’t pay" There would be money there if you didn’t take the charges!!!

I feel like I am screaming at them until I am blue in the face but they just are not listening or want to help.
.

This is just horrible. It really is daylight robbery -- they do it because they can.
You have had some great advice here... now go ahead and make your claim under hardship. I did, and just afew days ago I got the news that Natwest will be making me an offer! It does work.

SB22

Thanks everyone.

I have done my claim so fingers crossed.

I did stop all the Direct Debits, but did not expect to be laid off work for the second time in 6 months.

Thanks for all the support