Account Closure Before or After Claim
Hi.
I have a basic account with the Woolwich; it’s had a few charges over the year’s maybe a few hundred pounds. (have just sent off for my statements)
I want to claim these back following this chain of events:
In December (I think) paid £60 to bring my account back to zero as I have no overdraftfacility and they were charging me £3 a day for going below zero by £1.20 – I cleared the balance and asked to close the account, they said I couldn’t close the account as it would take 24hours to update the system to zero…bearing in mind I paid cash in I don’t understand why this was a problem! – anyway to cut a long story short another £3 went on as a charge for the day I paid the money in, this then over-drew me yet again…the £3 a day continued until the balance said -£43 and that’s where its stayed for months now…I want to close this account but I don’t want the same thing to happen again…I will be applying for all my charges back but what I would like to know is should I pay in £43 now and close the account before they get my claim, and decide to close it with a minus balance (and prob put a default mark for -£43 on my file), or should I just claim and hope they refund my account back to credit then close it?
This account has always been recorded as a good one on my credit file, even now its showing an OK by it as it always does…(the credit file shows a £50 buffer that the bank tell me I don’t have!)…I would like it to be closed showing this too!
So what would be best – pay in £43 and close it then claim or claim now…answers on a post card please.
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