Thread: Defaulted by A&L For Going £40 Overdrawn

Hi,
You'll have to forgive me, it's a while since this happened, and I didn't think that much of it at the time, but I'd like some advice, or at least someone to reassure me what A&L did was perfectly legal, in which case I'll "rest my case."

Sometime towards the end of last year A&L defaulted, and closed my current account as it was £40 overdrawn for several weeks (no more than four I seem to recollect - my old pay cycle was four weeks,) they sent me a letter saying "Return balance to zero within x days, or we'll issue a default," I couldn't do it, and I'm certain they defaulted me and entered it onto my Experian credit file after about 10 days. I simply got a letter though the post saying I'd be defaulted, account closed. Goodbye.

Now, A&L placed plenty of charges on my account, which may have been part of the reason I went overdrawn in the first place, does this mean I can contest the default. I had not attempted to reclaim any charges from them.

I'm a little unsure reading the section on defaults, but can I appeal this, as they had placed many unlawful charges onto my account, which I guess I could prove sent me overdrawn in the first place.

I know I need to submit a SAR to A&L to find out exactly what happened, can I request copies of the letters they sent me regarding the default too?

Hope this makes sense?!

Regards,
Andy

I think you can as part of the SAR