HELP,..clydesdale cash account & charges

pandabear24

Hi can anyone help with any information on reclaiming charges from my clydesdale basic cash account!
i currently receive ESA benefit & have done for sometime now, i also have a 6 year old son that i currently get child tax credit & child benefit for.For sometime now i have struggled with anxiety&depression finding everyday life a struggle however recently i am not finding ways to cope & am starting to be able to sort out some of my problems such as money problems etc, going threw bank statements etc i began to notice a pattern of charges firstly ranging from £35 now down to £15 all for returned direct debits.On a friends advice i wrote to my bank explained about the charges & how after a period of time they have caused me to fall into financial hardship, i also explained i receive benefits & the charges the bank take come of my benefit that is a basic amount the law says you need to live on so there isnt any room for anything other that nasic living expenses. I also explained my illness how it has effect my life over last 6 years & how up till recently i found it hard to speak to anyone about anything including close family & friends (worked all my life upto around 6-7 years ago), the outcome of my letter was a telephone call from bank more or less telling me they had the right to charge for returned direct debits, it is my own fault, if i cant afford i shouldnt have attitude. although i agree the bank have right to charge etc i dont agree with the amount they charge!! person from bank made me feel as if i were a small child being told of very straight to the point unhelpful.
Does anyone know if anything can be done or am i looking at fighting a no winning battle, what if anything can i do,...very greatful for any help on this matter at all guys!

Thank You:)

grumbler

Generally, to stop charges you should have contacted your bank when you had the difficulties, not now.
However, you still can complain to the FOS - you have nothing to lose.

MSE article: Bank Charges Reclaiming

Archi_Bald

Please repost on the Debt Free Wannabe board, together with a statement of affairs SOA).

You find a template for the SOA here: http://www.stoozing.com/calculator/soa.php

Archi_Bald

pandabear24 wrote: »

although i agree the bank have right to charge etc i dont agree with the amount they charge!!

Actually, you have agreed to the charges when you accepted the account terms and conditions and any amendments to them. The only way not to agree to them is to take your banking elsewhere but you will find that all banks have similar charges.

pandabear24 wrote: »

the charges the bank take come of my benefit that is a basic amount the law says you need to live on so there isnt any room for anything other that nasic living expenses.

I am afraid, it is an Internet myth that people on benefits do not have to pay bank charges

You may or may not get anywhere with a claim via the FOS but it sounds to me that you need to, in any event, sort out your finances as no bank will let you get away with not complying with the T&Cs forever.

There are people on the DFW board who can offer a lot of help.