Refund of Bank Charges when Insolvent.

CarolnMalky

Dont know if this is the correct place to post..please move it if it isnt.

I am insolvent, due to be on long term sick, and my accounts are now held with the collections departments of banks. Can I apply for charges refunds? Or does the account have to be a working one?

Thanks in advance for any advice and help.
Carol

Gordon_the_Moron

I don't see why you can't apply to the bank for refunds but if they refuse you can't take legal action without money to pay for it (you can claim this back from the bank when they refund) but you need the money to make the claim. I am assuming that you don't have that money and they know that, so if they refuse what can you do?

CarolnMalky

My home insurance covers legal fees Gordon, so I assume that would cover it. I just wondered if I could still do it as my accounts are no longer "active" to me?

CarolnMalky

Hiya ts-ally200...thats our wee aggie..our cat lol.

I am insolvent and have signed trust deeds etc, and are paying back a set amount each month for the next 2 years, first year is almost over!

Thanks for your hug, I appreciate it...I have "mental health" problems caused by work, and my mind is constantly active, always looking for things to be up to!!!
C xx

CarolnMalky

Thanks Aly, I have registered with that site, and posted my question, I shall wait and see what comes back from it.

Ebay keeps me out of mischief...lol...sometimes.

The cat keeps me amused too, best form of therapy Ive had!

Sometimes better talking to the neighbours pets than them lol.

Carol xx