completely new here, i am lost.but need help .please

arthurdick

hi all, this is my very first time here, it took a while for me to make a start at reclaiming unfair bank charges but they really have pushed me too far now..
i have just come in to a pretty rough patch at the mo, too many bills not enough money, you know how it is.. anyway, it started with 1 missed direct debit, then a fine, which took me below what i need for the next direct debit , then of course fined again, missed next direct debit and so on...it seems like they hit you again and again while you are down..
i have sent off the first letter asking for the last 6yrs statements, but i think i sent to the wrong place. its for the halifax but i sent to
HBOS
Customer Relations
PO Box 548
Leeds
LS1 1WU.. i think that is wrong, but would the halifax still get it?... if not, i will send another copy to the right place..like i said, i am very new to this and it will take me a while to find my way around...any help please?

arthurdick

P.S
also i was wondering if i could claim on-line, i have an halifax on-line account, which i dread checking every morning due to all these stupid unfair fines... i have more direct debits comming out this week on friday, but my latest fine is to be took out on thursday, so that will leave me short for those. and im in a catch22 situ, because they wont let me increase my O/D because i have had recent fines..I really do need some help here please, i have never done anything like this before....anyhelp would be lovely .. cheers

sparky0107

arthurdick wrote: »

hi all, this is my very first time here, it took a while for me to make a start at reclaiming unfair bank charges but they really have pushed me too far now..
i have just come in to a pretty rough patch at the mo, too many bills not enough money, you know how it is.. anyway, it started with 1 missed direct debit, then a fine, which took me below what i need for the next direct debit , then of course fined again, missed next direct debit and so on...it seems like they hit you again and again while you are down..
i have sent off the first letter asking for the last 6yrs statements, but i think i sent to the wrong place. its for the halifax but i sent to
HBOS
Customer Relations
PO Box 548
Leeds
LS1 1WU.. i think that is wrong, but would the halifax still get it?... if not, i will send another copy to the right place..like i said, i am very new to this and it will take me a while to find my way around...any help please?

Hi Arthurdick
Try this thread it gives you all the addresses you need for head offices of the banks
http://forums.moneysavingexpert.com/showthread.html?t=400981

Hope it helps
Mark

sparky0107

arthurdick wrote: »

P.S
also i was wondering if i could claim on-line, i have an halifax on-line account, which i dread checking every morning due to all these stupid unfair fines... i have more direct debits comming out this week on friday, but my latest fine is to be took out on thursday, so that will leave me short for those. and im in a catch22 situ, because they wont let me increase my O/D because i have had recent fines..I really do need some help here please, i have never done anything like this before....anyhelp would be lovely .. cheers

Hi again arthurdick,
Have you tried to cancel your DD's and ask the companies to send you a monthly bill so you can pay them at the bank, I know that its time consuming, but it will mean that you wont get any more charges from the bank for not having enough money to pay them in the first place.
Again hope this helps
Mark

arthurdick

hi sparky, thanx m8....i will have a look at that addresses page... also thanx for the advice about stopping all, well some of my dd's and paying monthly in the bank... i had thought of this, at sometime, but it is only a temporary bad patch(hopefully)..anyway, i have just been on the halifax on-line site, and applied for an increased O/D again.. it dont hurt to ask....they had 1 box asking what the reason for the request was.. i put "to stop getting unfair fines from you"...ha ha ok that might not work, but it is how i am feeling to them now......anyway sparky, thanx again, i will keep you and everybody updated, as soon as i find my way about in here.....cheers

lindilou39

Arthur....why dont you go online and cancel the DD,s inform the companies that receive them and tell them why you have had to cancel...also as you are online banking...why not instead do a transfer, this appears on statement as a standing Order, you can then keep track of what and who you have paid, yes you can file online a claim using MCOL but remember, there are fees to be paid upfront as with any claim whether you do it online or at a county court.

arthurdick

hi lindilou, thanx for that, i may just do that.. maybe tomorrow though, i have got a pretty bad headache with all this worry so far...plus to make matters worse, my missus has just got a 2nd babycat (kitten), she only got one the other month, so apart from all these money worries giving me sleepless nights, i am getting 2 babycats screaming and crying and tearing the curtains and other things most nights.. ok they are lovely little things, and i am only speaking lightheartely about the cats, they aint that bad......anyway, thank you all, i am now off to relax and watch tv for a few hrs, to take my mind off things.......bb later on maybe, after that panorama show 2nite.....if the cats let me

lindilou39

kill the cats .....lol, think of the yearly vet injections and whatever else...lol no..kill the mrs instead....even less money to think about! heh heh

arthurdick

also, these babycats have took away most of my morrisons miles vouchers, only the other week i had £60 worth, now down to a tenner, babycat food and litter and stuff... ha ha ok thats enuff of me moaning, tv now to unwind, see you soon.. cheers

arthurdick

haha lindilou, great advice, :T , kill the mrs, best option, save much more money, and it would gives my ears a rest ....thats it now, some more tv, things must be bad, im watching corrie, ssshh dont tell nobody that, i will lose me street cred.... take care yeah av a giggle, i bb l8r hopefully

lindilou39

arthurdick wrote: »

haha lindilou, great advice, :T , kill the mrs, best option, save much more money, and it would gives my ears a rest ....thats it now, some more tv, things must be bad, im watching corrie, ssshh dont tell nobody that, i will lose me street cred.... take care yeah av a giggle, i bb l8r hopefully

am watchin corrie too then easties...now shut yer gob!