Financial Institution Is Destroying Me

lynzpower

Im not too sure about these pre-pay credit cards. To be honest with you in my opinion they have a lot of downsides. I know you are right in the thick of it at the moment, and it might be a good idea to get one in the interim, but I wouldnt rely on them longer term as a few Ive seen charge you to put the money on, and of course to take it off, ie if you need the cash back for any reason.

Ask on the credit cards board they should know over there

simon3000

Thanks i just called a couple of them and they are a bit dodgy with their comission charges etc , also the post office mastercard is £4.50 pcm , i would rather just pay stuff at the post office till i get a bank account its sounds like an unecessary expense.

simon3000

Just sent off my Citi Bank Application, my credit file does have incorrect information I have written to them asking for it to be removed.I won't make anymore account applications till I hear from Citi Bank.I guess the next stage is reclaiming bank charges from Barclays? Any advice?

simon3000

Just peeped at my Barclays account and I have £1148 worth of "charges" alone over a few months not years , they are crazy !!!!!!, if i go back 6 years i could be into some money then:beer: When you guys get back please help me with the draft letter pack for bank charge reclamation.

smashedbooboo

Hi, if you go to reclaim bank charges on MSE you will find all the template letters already done for you. All you need to do is put in your own personal details, and the letter shows you exactly where to put them. Follw the procedure as it says on the site. Have a read read of the reclaim bank charges success forum. There are forums just for asking questions on the subject. But please do not go off on a tangent. as i have already said, the formula for reclaiming is well tried and tested by many many people. Before you do anything read and inwardly digest the subject. You do not even need to leave this website. I wish you luck and hope your fortunes turn round in this new year. And to everyone else Happy New Year from me. xxxxxxxxxxxxxxxxxxxxxxxxxxxx

simon3000

Thanks boo boo I was wondering where you had disappeared to, I'm still waiting to hear from citi bank, feeling scared to go after bank charges as i don't have another account yet and i've been told ounce you go after bank charges the bank asks you to close your account so best be prepared.

smashedbooboo

Hi, just go down to the abbey with your passport and other form of proof of address and they will open a basic account for you there and then. No credit checks . you will get a cashpoint card and you can have your wage paid into and set up direct debits and standing orders. Then you start on the reclaim process without worrying about not having a bank account. Now come on get your butt into gear and stop worrying and do some doing instead. Fretting is not productive. You have just been told off by a yorkshire lass.
Only joking pal. Have a good day. Speal later chicks xxxxxxxxxx

smashedbooboo

I mean speak later. Doh x

simon3000

smashedbooboo wrote:

Hi, just go down to the abbey with your passport and other form of proof of address and they will open a basic account for you there and then. No credit checks . you will get a cashpoint card and you can have your wage paid into and set up direct debits and standing orders. Then you start on the reclaim process without worrying about not having a bank account. Now come on get your butt into gear and stop worrying and do some doing instead. Fretting is not productive. You have just been told off by a yorkshire lass.
Only joking pal. Have a good day. Speal later chicks xxxxxxxxxx

i have got a letter from citi bank and they thank me for my paperwork and that if i am sucessful they will welcome me as a customer within 15 days from January 4.So fingers crossed.

simon3000

I need help replying to a letter i recieved today from barclays:

It reads as follows:

Please take notice that we propose at the close of business on the 15th day of january 2007 to collect your liabilities to us and treat the net balance if any , as the only amount between you and us. This notice is given to you for your assistance as a matter of courtesy and is without prejudice to our rights at any time previously to the said time if, in our absolute discretion such a course seems to us necessary in our own interests.

What does this letter mean to any of you who have recieved such before? Someone please advise me on what to do and how to reply asap.