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    • Thank you for your reply, DX! I was not under the impression that paying it off would remove it from my file. My file is already trashed so it would make very little difference to any credit score. I am not certain if I can claim compensation for a damaged credit score though. Or for them reporting incorrect information for over 10 years? The original debt has been reported since 2013 as an EE debt even though they had sold it in 2014. It appears to be a breach of the Data Protection Act 1998 Section 13 and this all should have come to a head when I paid the £69 in September 2022, or so I thought. The £69 was in addition to the original outstanding balance and not sent to a DCA. Even if I had paid the full balance demanded by the DCA back in 2014 then the £69 would still have been outstanding with EE. If it turns out I have no claim then so be it. Sometimes there's not always a claim if there's blame. The CRA's will not give any reason for not removing it. They simply say it is not their information and refer me to EE. More to the point EE had my updated details since 2022 yet failed to contact me. I have been present on the electoral roll since 2012 so was traceable and I think EE have been negligent in reporting an account as in payment arrangement when in fact it had been sold to a DCA. In my mind what should have happened was the account should have been defaulted before it was closed and sold to the DCA who would then have made a new entry on my credit file with the correct details. However, a further £69 of charges were applied AFTER it was sent to the DCA and it was left open on EE systems. The account was then being reported twice. Once with EE as open with a payment arrangement for the £69 balance which has continued since 2013 and once with the DCA who reported it as defaulted in 2014 and it subsequently dropped off and was written off by the DCA, LOWELL in 2021. I am quite happy for EE to place a closed account on my credit file, marked as satisfied. However, it is clear to me that them reporting an open account with payment arrangement when the balance is £0 and the original debt has been written off is incorrect? Am I wrong?
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natwest Bank Charges - on benefits - unlawful?


thecookiemonster
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I’m a person who receives benefits so I have little money.

 

I’ve had lots of bank charges from NatWest, especially recently and I’ve put in two complaints and got nowhere.

 

For starters I received an unpaid transaction fee of £8 last months as well as an unarranged overdraft fee of £24.

 

Yesterday, I was charged another £8 for an unpaid transaction fee, as well as an unarranged overdraft fee of £72.

 

These charges are ridiculous and such a high amount,

 

I’ve requested all bank charges on my account in the last six years to be refunded,

but I certainly want these few charges in the last month or so to be refunded as they have caused me severe financial hardship and has eaten into my housing benefit, given I have to contribute towards my rent, it’s now made me skint after £80 of charges yesterday.

 

Anything I can do to get these reversed?

 

Any help would be much appreciated.

 

Thank you.

 

I forgot to add that I cancelled a direct debit and NatWest allowed the company to try and take the money and it showed as going out but then showed up as bounced and I’ve been charged for that but apart from that, I’ve only been in minus once for a few days so these charges are extortionate.

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get you income out of their hands open a parachute account.

 

then you'll be in a much stronger position over the charges.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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very much doubt it

you should have bailed out long ago.

 

you could try our hardship letter

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Please advise me on the hardship letter thank you.

 

It's a letter outlining your in financial hardship and want them to help you....it's in the library above.

 

Have you opened another bank account yet?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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