I wonder if anyone can help me. Last year I applied for my
bank charges
back from Barclays and eventually just before the court date got my monies refunded.
As suggested I opened a bank account with another bank in case Barclays closed mine. They didn’t.
I opened an account with the Alliance & Leicester – a premier account (Approx Aug 06). Where £10 per month would be paid into a savings account and I would need to put in £500 per month.
About two months after opening the account I wrote and cancelled the account. Then when any further letters arrived I foolishly threw them away without opening them as I thought they were circulars – insurance etc.
Today I got a letter which I opened and they say I owe them £150.
I spoke to a lady who explained that they had never received my letter cancelling the account.
So for the first 12 months £10 was paid from my account into the premier savings account.
Apparently I had an
overdraft
facility for the first 12 months. When this finished they closed the premier savings account and paid themselves back but as the overdraft had gone bank charges etc has been going onto the account.
Today I owe them £80.50 they say I need to pay them that plus £55.33 by the 19 October and that a further £55.33 bank charges will be going onto the account as they collect charges a month in arrears.
They say that if I could pay them this over six months, they would then close the account today and I would get a ‘3’ on my credit rating.
I was also told that because they had kept me informed of the charges and that I just hadn’t opened them they would not refund the charges. I was also told that there is a test case going on at the moment so they are not refunding any charges until the outcome.
I know this is all my fault but has anyone any idea what I should do now