Next chapter................. After being with GP & think banking for about 12 month, I took a big risk & jumped ship. I am now with a company who basically offer to dispute all of my debts with the creditors because of all the charges & interest they have piled on & get the debts reduced or cleared altogether. I pay them less ...

I have just moved from think banking to natwest. Natwest seemed to bend over backwards for me & I am really happy with the service & that I can now do all my business on line. I was told by a debt reduction company that they may just give me the basic account but was really gobsmacked that they offered me a better account. I even get ...

But say you get laid off & go without pay for a month. You realise you have a couple of dds' & cheques knocked back. You would end up paying nearly the same amount in charges then you would for a year of £12.50. Fair do, I would still have to find money for the bills but I wouldn't have all the bank charges. I am happy to ...

If you lodge a complaint with the company & you aren't happy with the out come, you are entitles to take it up with the ombudsman who could side with either you or the company. They are an independant watchdog. Unfortunatly the ombudsman will tell you to log a complaint with the company first & the company must keep a copy of the ...

This is one of my bug bears & I work with an insurance company. The amount of people who ring up & say "I have recieved an arrears letter but I'm paying the premiums through my bank". When asked when the last payment went out of their account, the reply is "well I don't know because I don't check my bank ...

I AM NOT QUALIFIED TO GIVE ADVICE BUT... Working in the business, I have never been told the a seperation affects anything. The only thing I normally come across is that if & when the policy matures, the company may send a cheque out in joint names. It may be worth checking with the provider. With you both still being married, the ex would ...

I like that you are already with a debt helping company, I am in the same boat. My question is could you cope without remortgaging. I have always refused hands downto remortgage & am glad I did now, I only have about 11 years to pay on mine.It seems a lot but not when I think I've had the same mortgage for 14 years, it doesn't seem ...

I agree with what has been siad but PLEASE speaking from experience keep copies of all letters sent to them & send it recorded delivery. It seems wierd that the letters we send always seem to go missing!!.

I hate Shabby National with a vengence & I used to work for them. They screwed me out of hundreds, until I rang to complain & sent a letter of complaint. To which they reduced the amount I actually owed by about £400. The recent spate of claiming the bank charges back isn't new as I believe I got fairly lucky with this about 6 ...

Think banking is also an arm of RBS although the card is something to do with another bank (I think).I've never had any probs with Think banking