Thread: Help needed Karish v Abbey

Karish, I had the exact same from a Mr Betts (debt management or something like that). No doubt there is a template somewhere, but I just made mine up and replied to him :
Thank you for your letter (Reference A) about the overdraft on my account. As requested, I have re-established payment in of a regular amount.
However, it is not clear from your letter what amount would be required to maintain the overdraft limit at its current level. I would just ask you to take into account when deciding on this that the account is currently the subject of Court action by me in relation to your default charges which I contend are a penalty and therefore unenforceable. The account balance is therefore in dispute.
Reference B provides a cross reference to those at Abbey at Milton Keynes dealing with my Court action.

Note that I didn't say how much (actually it was £100pm) or when it would restart (about 3 weeks later). I didn't want to give him any specifics to come back to me about. That was around Christmas and it's been all quiet since - he certainly never replied. Regards, Mad Nick