s to come up with thousands of pounds. I obviously couldn't afford to repay all these debts and the banks started charging me as in their eyes I was now overdrawn and in debt to them.

This went on for years and the banks a

I like many others have felt the full force of the banks when it comes to charges and late fees. I have over the years been charged a huge amount which was totally extortionate considering how much it costs the banks to process the letters and fees on overdue accounts. With the average cost of a late fee now over ?25 you can expect over a lifetime to lose thousands upon thousands in bank charges and every day the banks are introducing new ways to catch you out.

I speak from experience. A few years ago I struggled with a steady income while I was building my career, first the banks offered me loans and credit cards, bigger overdrafts and extra credit. This was spent as easily and quickly as it was received. Before I knew it I was thousands in debt. This was when the banks came into their own. A few missed payments and they started canceling overdrafts and credit cards, leaving me only 30 days to come up with thousands of pounds. I obviously couldn't afford to repay all these debts and the banks started charging me as in their eyes I was now overdrawn and in debt to them.

This went on for years and the banks a

the letters and fees on overdue accounts. With the average cost of a late fee now over ?25 you can expect over a lifetime to lose thousands upon thousands in bank charges and every day the banks are introducing new ways to catch you out.

I speak from experience. A few years ago I struggled with a steady income while I was building my career, first the banks offered me loans and credit cards, bigger overdrafts and extra credit. This was spent as easily and quickly as it was received. Before I knew it I was thousands in debt. This was when the banks came into their own. A few missed payments and they started canceling overdrafts and credit cards, leaving me only 30 days to come up with thousands of pounds. I obviously couldn't afford to repay all these debts and the banks started charging me as in their eyes I was now overdrawn and in debt to them.

This went on for years and the banks a

you out.

I speak from experience. A few years ago I struggled with a steady income while I was building my career, first the banks offered me loans and credit cards, bigger overdrafts and extra credit. This was spent as easily and quickly as it was received. Before I knew it I was thousands in debt. This was when the banks came into their own. A few missed payments and they started canceling overdrafts and credit cards, leaving me only 30 days to come up with thousands of pounds. I obviously couldn't afford to repay all these debts and the banks started charging me as in their eyes I was now overdrawn and in debt to them.

This went on for years and the banks a

easily and quickly as it was received. Before I knew it I was thousands in debt. This was when the banks came into their own. A few missed payments and they started canceling overdrafts and credit cards, leaving me only 30 days to come up with thousands of pounds. I obviously couldn't afford to repay all these debts and the banks started charging me as in their eyes I was now overdrawn and in debt to them.

This went on for years and the banks a

s to come up with thousands of pounds. I obviously couldn't afford to repay all these debts and the banks started charging me as in their eyes I was now overdrawn and in debt to them.

This went on for years and the banks at no time offered a sympathetic ear or a solution to my problem. They just piled on the pressure. It was truly an awful time in my life. This is why I feel absolutely no remorse to take the steps which many thousands have now taken of taking my bank to the small claims court and retrieving over ?1000. I'm sure you have heard the news lately about how people are getting their bank charges back from the last six years and I'm telling you that they are and I did.

It is a simple process with the only cost being a few minutes here and there to write and send off letters and a one off small court application fee of between ?30-?120. Considering people are getting back in excess of ?5000 this really is a cost I was willing to take. There are many online websites offering free advice and even companies who for a small charge will take on your case and fight it for you in exchange for a percentage of