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A&L Closed my account after successful claim but now threatening my credit rating!!
Hi,
I'm hoping someone can advise me (sorry if this has already been covered somewhere on the forum!).. I put my claim for unfair bank charges in and A&L did their usual thing (paying up with a day to spare).... then 4 weeks later send me a letter saying they were closing my account in 30days and that in the envelope they provided I was to send back ALL account stationary and cease using the account there and then...The 30 days passed (with them still charging interest on the amount I was overdrawn by), I changed bank accounts and everything etc, but left my A&L account overdrawn because I had no way of paying money into my account... Now they have sent me a letter demanding I pay back the full amount within a week of the date on the letter or they will take legal action against me and put a mark on my credit rating!!
All of this without them sending me a final statement, bill or any suggestions on how I'm supposed to access the account to pay it back.
A friend has mentioned I can complain to the Financial Ombudsman and say that I feel threatened by the banks actions etc and they might be able to assist me... is this true at all?
Re: A&L Closed my account after successful claim but now threatening my credit rating!!
Make an offer to pay them an amount every month until the account is cleared.
To be honest, I'm surprised they didn't use the refund to reduce the amount owed in the first place.
Re: A&L Closed my account after successful claim but now threatening my credit rating!!
If you can find a reason to dispute any of the charges still outstanding, do so.
This will put the account into dispute status and will at least buy you some time.
Have a look at the Banking Code - http://www.bankingcode.org.uk/thecode.htm
if may provide some leverage.
As Honestknob says, make them an offer but make it one you can actually stick to or you may just be storing up more trouble.
If you are really stuck, a debt counsellor may be able to help. Start at Citizens Advice.
A&L Closed my account after successful claim but now threatening my credit rating!!
on the amount I was overdrawn by), I changed bank accounts and everything etc, but left my A&L account overdrawn because I had no way of paying money into my account... Now they have sent me a letter demanding I pay back the full amount within a week of the date on the letter or they will take legal action against me and put a mark on my credit rating!!
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Re: A&L Closed my account after successful claim but now threatening my credit rating!!
