Tiggy Posted December 1, 2008 Share Posted December 1, 2008 I've been doing a bit of juggling with our finances and have come across a great deal with Virgin Money, O% interest on all balance transferes including overdrafts for 16 months and O% on all purchases for 9 months. I dont intend using it as a credit card because I'm trying to get all my bills down but our OD was causing us to have bank charges every month, £35 everytime they send you a letter even though our wages are paid in on the same day it makes me so mad - has anyone had any experiance of claiming back bank charges? Quote Link to comment Share on other sites More sharing options...
Tessa the Duchess Posted December 1, 2008 Share Posted December 1, 2008 Yes, I have Not overdraft charges but late payment charges on a credit card, they charged me £25 for two late payments instead of the £12 they are allowed to charge. I went to moneysavingsexpert.com and used their letter template to make a claim. They have templates for all situations, well worth doing. Good luck. Tessa Quote Link to comment Share on other sites More sharing options...
Tiggy Posted December 1, 2008 Author Share Posted December 1, 2008 thanks for that, my bank charge me several times a month, a letter is sent for every tranaction so the day I get paid if direct debits are due for the mortgage power & phone bill & insurance they charge me £140!!!! Oh wages often go in the day after mine, some months I get paid earlier so we dont have a prob, I have tried changing the days the direct debits go out but it dosnt seem to make any difference Quote Link to comment Share on other sites More sharing options...
