Work out what you are owed
Check your old bank statements for charges
Go back through your old statements and add up all charges that could be considered excessive. If, like many people, you do not keep statements going back for more than a few months see if you can find this information with your internet banking. If not, write to the bank requesting a comprehensive list of all charges showing what the offence was, the date and the amount, under the Data Protection Act. By law the bank must provide this information in 40 working days.
If you would like to claim back bank charges then please click here to APPLY NOW!
It may be that the bank tries to stall you and waits before responding that there is a specific form to fill in. In your initial letter ask if there is a form and for a copy of it to be sent and make a follow up phone call a week later.
Under the Data Protection Act 1998, you are entitled to get from your bank a list of any charges over the past six years. Banks may charge a maximum of £10 for this.
However, statements are not covered by the Act, so banks are using this loophole to charge higher fees. Many customers are finding that when they ask for a list of charges, staff tell them this cannot be provided, but old statements can.
The bottom line is, ensure you make it clear that you're using the Data Protection Act to request of list of charges. Otherwise you could find you're being charged more than you need to.
In order to argue against banks' assertions that the charges are for services, request a copy of your original contract and any changes to it which can be used as evidence that you did not enter into such an agreement.
If you've been charged overdraft fees or late payment fees on your bank or credit card account and want to work out what your owed then please click here APPLY NOW!
Apply online - act now and get your money back!!
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IVA's
The IVA Guide
Money Advice Direct has put together an IVA Guide based on the enquiries and questions that we receive at our helpline offices.
In the guide we cover such subjects as IVA Approval, early settlment of your IVA, missed IVA payments, IVA failure, additional debt claims and much more.
[click here for IVA Guide]
What is an IVA?
The IVA is an extremely powerful tool enabling you to clear your debt and return to a clean financial bill of health. Visit Money Advice Direct's Guide to Individual Voluntary Arrangements (IVAs).
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DANGER
Due to the tremendous demand for debt consolidation services the United Kingdom is now overloaded with debt management companies that contain misleading information. [more...]