Chivs86 Help Guides: How to Reclaim Bank Charges.

The most horrible feeling it has to be -

 

Having debts that you don't feel like you should owe,

Being stuck in a trap - that forces you out of spending how you normally would.

A consequence that many companies are guilty of, with their ridiculous interest rates, and charges.

Companies of all different kinds like Debt Recovery, Credit Card, and Cash Lenders, but the guiltiest of all of these though are probably the banks.

With the most common problem they cause being perhaps Unauthorized Overdraft Charges.

When the evil bankers draw you in with say an overdraft of 100.  They give you a Visa Card, and as soon you go over.  Even for the most smallest amounts, they charge you 10, 15, 25 etc times what you owe them.  Which, fair enough you might be able to pay the first few times, but after that when it becomes charge upon charge.  Well that's just the beginning of getting in more, and more debt.


A thing you can do though if;

• You haven't closed the account down.
• You believe you are in financial hardship,
• and if you think you've got a case, is;

Ask for your money back!

 

Heres How:

 

1. Phone your bank, and tell them you can't afford to pay them back.  Ask them if they can reimburse any of your charges, and they'll probably ask you a load of questions.  How much money you get?  Why you can't pay them? or whatever.  They might offer you a cut price deal to pay them off, and close your account.  Tell them you'll have a think about it.
2. Find the address of your banks main branch, and write to them - simply asking that you would like to request under the freedom of information - a back dated history of your overdraft charges.  Leaving your branch number, and account number a couple of lines below.   As well as a request that you would only like this certain information, and not past Bank Statements (These will cost you about £10 each.
3. Wait for your charges, and when they arrive look up the contact details of a Financial Ombudsman.  A Government service that helps solve financial disputes.
4. Take note of any things about you that would support your claim that you are in financial hardship.  Good examples are; You're unemplyed, You're a Single Parent, You have no permanent residence, You have a Physical or Mental Illness/ Disability, .  Anything that might sound like a good sob story.
   
   Write, E-Mail or Phone explaining your situation.  Why you can't afford to pay back the bank, and why you believe that the bank has been unfair.  Make yourself sound vunerable, the bank sound like the villian, and ask for an address & a reference number so you send them the document of back dated charges.
5. This is in no way guranteed, but the most important thing to remember is that it's free.  If it works you could not only get your debt wiped, but could also get a reimbursement of charges that you've actually paid.  So it's certainly worth a try, and if all else fails you can always get on to the bank - to see if there offer still stands of a cut price deal.
 
Or even better go to your local citizen advice bureau, and tell them about your problem.  The most likely result - they'll get on to your bank, and you'll only have to pay back a little bit each month.  So i mean it really isn't the end of the world - there's always a way out.

How to back up your Nintendo DS games.

Page under construction, but in the meantime - Don't worry because here's a link:

How to Back Up Your Nintendo DS games:

http://lifehacker.com/5588151/hack-your-nintendo-ds-for-easy-backups-and-single+cartridge+playback

Chivs86 Help Guides: How to find a job!

OK so you've typed the above search term on google, and ended up on this page. 

I'm guessing because you're having trouble finding a job.  I mean I can't think why else, but good for you if you have.  You've come to the right place.

The place where i can tell you everything that I know. 

What i know about things that can be done to help secure employment, and trust me on this one.  I know through experience.  I shall begin:

1.) Ok, first things first.  Get a pen, and a notepad.  When you have right down a list of things you're good at.  E.g:  Computers, Maths, Admin, Physical work, Caring, Talking to people.


2.) Write a list, maybe a couple of pages about your earning experiences.  Things you've done what you can count as previous employment or similar.  You'll need this to demonstrate how you've used your skills in the past.  Most importantly to build a good CV.

3.)  Get the contact details for a Careers Advisor, and secondly find out where you can find a CV work shop.  Look on google, ask at the job centre whatever it takes.

• Make an appointment with a careers advisor, and tell him everything you can about what you want to do for work.  Visit more than once if you have to.  Perhaps before you go to the CV workshop, and after.
• Go to a CV workshop, and make a CV.  Go as many times as it takes, to make the best damn CV possible.  Also ask for help making a draft Cover Letter.

4.)   At this stage you are definately on your way.  Providing you have a CV ready to e-mail, and a draft for a cover letter.  If you haven't got a cover letter draft yet - have a look online, as it's important you have both.  When you have :-  Well now.  Now you just need to apply for jobs.


5.)  Start looking for work at the Job centre, online, and find out about local Job clubs.  The three main places to look really.  Especially attending a Job club, as not only do these places have great resources for your Job search, but also they can be very handy in getting your CV & Cover Letters looking their best.


6.)  Smarten yourself up.  Get yourself a suit, a hair cut, a make over, or whatever you can done to get yourself ready for an interview.


7.)  Apply for any jobs you can find, which: a.) You think you can do, and b.) You have no trouble getting to everyday.  Apply for enough, and the job interviews should soon follow.


8.)  Above are the basic fundamentals you can do to find a job, and if you persist for long enough you will get a job.  Just don't give up.  There will always be something that has to give.  There are only so many people that can say no before somebody says yes.  Otherwise there is also a lot of other things you can do - to if not anything else - make you a more attractive subject.  Below are just some of these ideas that you can do!

• Apply for work experience.  Think about some of the companies you'd like to work for.  Get to your local job centre to write to them explaining your situation, and to see if they'll take you on for a week or two's work experience.  Do this to help yourself get a better idea about your career direction.
• Apply for voluntary work.  Even if it's only a couple days a week.  This will show any potential employers you aren't lazy, and is also a great way to get character references.
• Apply for Agency work.  Sign up to as many as possible, and use the work to get references.  Ask both the agency, and people at the companies they send you to.
• Go back to college.  Even if it's just to improve your Numeracy, Literacy, and I.T. 
• Put your suit on.  Print out a load of CV's, and start knocking on some doors.  Go to places like Industrial Estates, and Town Centres.  Also keep a notepad handy, to take things like phone numbers, and e-mail addresses.

9.)  Finally two things.  Don't be lazy, and don't give up.  It's a cruel world, but only so many people are cruel.  Make as much as an impression as you can.  Act professional, and don't let any knock backs get you down.


10.)  Nothing else.  The best of luck to you,



 

How to jailbreak an iPhone

Content currently available:

But never fear here is a guide written by somebody else.

http://gizmodo.com/5533921/how-to-jailbreak-any-iphone-ipod-touch-or-ipad

How to find your IP address

1.)  Click to get the menu up in the left hand corner, or alternatively press the windows button.

2.)  In the search box type in cmd.exe

3.)  Click on CMD.EXE

4.) On CMD.EXE type in IPCONFIG.

5.)  and Voila as a result up will pop a menu of your IP address information.