cant pay cos of bank charges

bobsky_2

i cant pay my per loan this month as i have been slapped with over £200.00 bank charges. the bank know of my circs as i explained to them two mths ago that my disp income is minus. they know that i am struggling is there anything I can do?

AllieBallie

I didn't want to read and run but unfortunately I don't have much advice for you.

You say your income is minus - is there any way of selling/car booting/e*aying some items in order to raise some cash? Selling some items would also mean you wouldn't have to be paying the bank charges which is an extra £200 in your pocket!

If you post a Statement of Affairs (there's a link at the top of the page) then we will be able to help you save some cash in other areas of your outgoings so hopefully you wont be in this situation again.

NorthernLas

Even though they know you are struggling the charges may be what is allowed as far as T&C go.

You can phone them up and ask if they can refund any
You can ask for advice as to how to minimise charges
You can set up a new bank account and move essential bills to it
You can stop all direct debits on your accounts with your bank

Have you started to pay token payments as advised by CCCS? If not you need to consider this urgently. Come back here and ask questions if you need to.