Going to see the bank manager tomorrow?

We are off to see our bank tomorrow to try and sort our finances, we are in a bit (well quite a bit then) of debt and have arranged a meeting with someone from bank to try and sort out paying back our overdraft and credit cards etc.
I just basically want some help on what to be saying & asking etc.
the bank we are with are charging us 拢125 a month for the fact we are over our overdraft limit, and then they wonder why when they charge us it takes us over it!
I need to be able to know what they could offer us what they can do to help and how to stop them charging so much as it isnt helping us finacially at all! and it is keeping us in debt! which i know banks do on purpose but we cant live like this forvever!

Kid emo - what does ur ansa mean?

hi, go to abbey, they dont charge you nothing for your overdraft, if you use it's about 5.00 for 1,000 debt per month, i was with another bank and they were robbing bastards.......they charged me for anything and everything......one suggestion i would make is get a good money program, i have mircosoft money, bit of a pain at first putting everything in, but over 15 months I have cleared my 18,000 worth of debts, just hit my first 1,000 in my savings account and not been overdrawing in the bank for 4 months now....and owe nothing on nothing credit cards, loans,etc....and if feels great!!!!

simple really this one...have the bottle to tell the bank that unless they are willing to stop all interest and other charges you may not have any option but to consider an iva...that will put the willies up em...i guarantee it

Banks can see through most people, so just be honest. Alot of regulations have been changed so they are there to help. If you get know joy from them go to your local citizens advice who can freeze alot of the interest therefore you should be able to get back on track.

Only they know what they can offer you. But you have to think how much you can afford to pay back, and cut off those creditcards afterwards.
Good Luck

How about taking some responsibility for your situation yourself rather than blaming the Bank for charging you when you go over your limit?
you accepted the T's & C's when you opened your account, the bank will ahve outlined there charges there.
If you go over your overdraft limit who's money do you think you are using? It's not yours is it? So why shouldn't the bank charge you for it?

As for your last comment, beleive it or not banks are in the business of making money, why do you go to work?

You have to take some responsibility for your actions.

Why do you need to know what the bank can offer you, what about what you can offer the bank, afterall it aint your money.

It may also be a good idea to inform that you are looking for a 2nd job or something to have an additional income.

This is a stretch but you can brooch the subject of whether or not they would advance a personal loan or a HELOC (do you own your own home?) and consolidate your bills that way.

Typically, credit card interest rates are higher than most loans and this may save you some money by consolidating all debt into one more affordable loan. Cancel the credit cards and/or ask to keep one secured card with a small limit until you are in a better position.

If your bank does not agree to this you might want to explore other lenders who would since this means new business for them.....best of luck!