Help!

Rusty78

Hi,
i'm not sure if I can go further with this claim but wanted your help and guidence to see if I have any grounds to write to my bank.

I had a £2,000 overdraft limit and went over it once, since that mistake the bank has been charging me £31 in charges and £12 in interest, every month. Even though i've kept within the limit since then they still charged me the same amount. Is there anything I can do?

Thanks for taking time out and reading my post.

the_insider

Which bank is it and what type of account?

cjones88

I have not started reclaiming yet but from reading the reclaiming guide it turns out me and my partner fall under the hardship category. CAB are currently dealing with our situation as we are in £18000 worth of dept on top of a mortgage and struggeling to pay priority bills. I have just started paying creditors we owe money to and have realised that if I claimed back bank charges that over a £1000 pounds or more of the debt could be paid off if we were awarded the bank charges back. Am I still able to reclaim bank charges from banks and credit cards if i owe them money or are they likely to cancel the new arranged payments I have just set up through CAB and demand all the money owe to them back. I am worried that reclaiming bank charges from banks I owe money to will go against our case with CAB. Does anyone know what i can do or been in the same situation that can help? I feel that the bank charges has played a part in the debt we have got ourself into

natweststaffmember

cjones88 wrote: »

I have not started reclaiming yet but from reading the reclaiming guide it turns out me and my partner fall under the hardship category. CAB are currently dealing with our situation as we are in £18000 worth of dept on top of a mortgage and struggeling to pay priority bills. I have just started paying creditors we owe money to and have realised that if I claimed back bank charges that over a £1000 pounds or more of the debt could be paid off if we were awarded the bank charges back. Am I still able to reclaim bank charges from banks and credit cards if i owe them money or are they likely to cancel the new arranged payments I have just set up through CAB and demand all the money owe to them back. I am worried that reclaiming bank charges from banks I owe money to will go against our case with CAB. Does anyone know what i can do or been in the same situation that can help? I feel that the bank charges has played a part in the debt we have got ourself into

You can reclaim charges on credit cards even if you have agreed payment plans with them which will in all likelihood reduce the overall balance of the amount owed to them. Please see my signature page 20 re financial hardship.