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[I knew I was struggling to make ends meet lately, but it didn’t help that as I opened my mail, I found my statement showing I had incurred bank charges!] [This is outrageous; I mean I didn’t have enough money in it, why do the banks take it into minus, an easier option all round would be to just reject the card! ] [After I vented to my family and friends about it, I found out that it wouldn’t even have mattered if they had rejected my card, I would have still incurred bank charges! ] [just think about how much money the banks are making of people, they don’t have to do anything either, its an automatic charge placed on the account. I asked around and found there are hundreds and thousands of people out there who have also had bank charges unfairly placed on their account and are trying to claim it back.] [In order to claim these monies back, I had to dig out all my documentation/statements for more than a year ago! I found out I could claim back up to 5 years worth! ] [There was no way I was going to have statements still in one piece dating back 5 years! But it would be well worth trying to get them, as I’m sure I’ve paid various other bank charges in the past. ] [the only way to get the statements, would be through a written request to the bank. Once I had organised all the papers (if the decided to provide me with my statements without more hassle) I would have to write another letter to them asking them to refund the bank charges. this was not gonna be a straightforward request, and i'm sure they will not pay the money without a fight. ] [I realised I may not have the time or the energy to fight this case, but we were talking about quite a bit of money if I won the right to reclaim my bank charges. I found a company online, that would take care of retrieving my money, right from the start, on a no win no fee basis. so I wouldn't lose anything if I lost! there was hardly any reason for me to refuse. the case is still pending.... its the waiting game now!] bank charges

Often, consulting a credit repair agency is necessary to handle collection issues.

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