dottyanne's debt diary

dottyanne

Thanks bh - needed that......dottyanne xx

dottyanne

pardon the expression but those f*****s, Royal bank of Scotland have taken !!!£ 190.00 from my account in charges for unpaid DD's in teh last 2 day's!!!! Am so fed up!!!!

Chortle_2

Are you claiming previous bank charges back from this account Dotty?

If you are, send a 'request for payment' out for the £190 TODAY! If not, send one out TODAY for the total amount!!

Losing that amount of money is going to completely scupper your chances of getting back in front (obviously!), so you need to work on getting it back ASAP.

I had the same problem shortly after my lightbulb moment (in fact, my lightbulb moment happened purely because my bank 'froze' my account, as I was £1k over my OD, and refused to up it. I'd just got out of hospital the day before, and was on unpaid sick leave :rolleyes:), although mine were all 'excess overdraft' fees, rather than 'unpaid DDs etc' - and my bank cap excess OD fees at £150 p/month (still a ridiculous amount!) It happened four months in a row before I was able to cut my expenditure enough to stop it happening, but by then I'd lost £600, and I had had to find that shortfall as well! That was 2004 - and I've not had a charge since then, but I had a few months inbetween where it was perilously close I got just under £3k back in charges earlier this week :beer:

If you need any help with the letters or anything, PM me.

beverleyhills

:grouphug:

dottyanne

Ho Hum,,,,,,,,,cheered up a teency bit - had a really good day at the shop today (self employed so its really good news), have all money to cover DD's that were returned and am so bloody determined to make a HUGE inroad this month (well May) if i could just get paid for my determination i'd be worth a million!!! Still feel a little subdued that all my efforts seem to be getting me nowhere but what else can i do?

beverleyhills

:grouphug:

Glad you feel a bit more cheerful tonight. You are hanging onto the waggon that the main thing. Sleep well

dottyanne

Okay peeps, well telephoned Abbey today and paid mortgage ove the phone so it wont be in arrears this month (phew!!), really need to get organised this month Im so determined. Got that book today everyone been raving about (The Money Secret by Rob Parsons) from e-bay at a discounted price ahemmm!!! :-) so i'm gonna be reading that later, gardening tomorrow etc....Going to go through bills etc later to see where everythings up to aswell - so wish me luck..........

sanfrancisco

Can you get rid of SKY?

dottyanne

Have cut the package down and am looking into the freeview box's that ive seen advertised at the moment.......

lynzpower

Dotty Anne,

You HAVE TO APPLY FOR YOUR BANK CHARGES BACK. I got 150 of the co-op this week, and will be getting 872 back from lloydstsb. YOU HAVE TO DO THIS. ITS YOUR MONEY>

Have you added up all the charges? Do you have 6 years of bank statements? If you dont, you must ask for a data protection request for all of the statements back. they cost a tenner, but many banks are giving them free.

ANY money that is sat in thier pocket not yours is hard to graft back. If you have half the amount i do, imagine what good £500 will do...?

Im giving you a kick up the rear here- make this a priority!!!!!!