Hi I started on the 22th Feb asking for statments. I sent the £10. I got the statments starting from 2002. I then asked for full history which I recived last week. I added up what I thought they owed me which was about £2200. I sent a letter asking for the money. I recived a letter this morning saying.
Thank you for getting in touch with us. I am sorry you are unhappy about your account charges.
Like any business we do make a charge for some of our extra services. When custmores dont have enough in their accounts to cover a payment, this always means extra work-and it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell customers we cant agree it. We feel its fair to charge for this service.
Of course its only fair too, that we'er completely open about any charged-for services before you might need them. that's why we take care to give every new customer the latest guide to our charges. You can also get up-to-date details about fees and borrowing rates at all our branches, through our helpline and on website.
Just as importantly, we do everything we can to help our customers and avoid these charges. You can get up-to-date balance at any of our cash machines, over the phone, on line and by weekly text to your mobile.
If you know a payment is going to take you over the agreed limit. your welcome to see if there's anything we can do.
The Office of Fair Trading has published a new guideline on credit card default charges. We'er still talking it through with them, but the important point is that the guideline are about "default" charges that people pay when they break an agreement with us. This doesn't apply to your charges as these were for dealing with your request to go over yyour agreed overdraft limit. They are not default charges because you havent broken your agreement. They are our prices for the service we provide in these situations.
I do hope you can see that we make our charging system as fair as possible-and why I can't agree to cancel your charges.
I hope this fully answers the point you raised with us. If we cannot come to an agreement, I will provide you with details of the Financial Ombudsman Service so they can consider your complaint independently.
If you are happy with the way I have dealt with your complaint there is no need to reply to my letter. If I havent heard from you by the 30th July I shall close my file.
What on earth do I do now. Please help