Thread: Confused by A&L Default - help!

Hi all,

I'm not new to these forums. I took the Halifax to court a few years ago and claimed back approximately 2k in bank charges from when I was a student. That's been it though, I've never had a problem with anything else untill now....

We have a joint account, which we pay our salaries in and pay the mortgage from. It's usually quite healthy. On 4th Feb, we went over our agreed overdraft because of a direct debit. Nothing unusual - I thought we'd probably get charged and we did. They wrote to us on the 4th and confirmed.

On the 6th Feb, they wrote reminding us about this again - 2 days later.

On the 7th Feb (yes - the next day) they sent me a default notice! WHAT!? We've been over our limit by £27 for a couple of days.

I've checked online and it has all the hallmarkings of an actual default notice. EG: Account number, nature of breach, Action to rememdy breach, Further Action. etc.

The nature of breach says:

"Failure to pay excess overdraft when asked to do so" - the day before?!

Can they do this? I'm paying it today having only actually received the letter yesterday on 11th Feb. I have an account with Experian still. Should I wait and see if anything turns up before I kick off with them?

Thanks Bank Fodder, will do exactly that!

I feel seriously cheesed when the banks screw people over. Being a couple of days overdrawn - by £27 - is not cause for a default notice.

However, it's amazing how calm I begin to feel when I come here and see thousands of other people getting the same grief and helping each other out.

I'll reply to this thread in due course with an update.