I have a Current Plus account with Natwest and after a while trying to get an overdraft from them and being turned down, I decided to close the account. Went into the branch and was told I need a proof of ID to close my account or I could send it by post with the requirement. So I did send by post. I called a few days before posting to cancel all my DD and was told every DD on my account has been cancelled. On the 7th of May 2009, I received a letter saying I have been charged 'Unpaid' DD charge on the 1st of May 2009 (com'n 7 days notification ?) and thus, was charged 2X £28 for some maintainance charge. Called through to Collection team in birmingham and was told to contact the branch if they received my letter, but they said NO. Now this leaves me in a position of jeorpardy ! I am being charged for 'Unpaid DD Charge' taken by NatWest themselve taking me overdrawn and on top "2X £28, on an account I thought had been closed ? Pleasssssssssse what do I do ?

Believe me HSBC is really taking the p's ... they have calculated bank charges on my account for dd that was rejected and for the past 3 years have been applying interest on them. The funny part of this is, I did not even recieve a notice of default on my account nor did I receive any letter due top change of student accommodation.. I think they are going MAD:).....

Thanks for that I would send the S.A.R now and the CCA request as well. Thanks.

Hi, I just received some letters from lowell saying they bought my debt from Hsbc. I had some problems with my account over some DD that was to come out of my account but to no avail, but leaving couple of £35 charges for unauthorized overdraft and bla..bla....bla charges. I got a default without notice, after passing a job interview and was told I cant get the job because I have a default. I paid some of the money and later moved house and forgot about it. To my surprise I recieved a letter from Lowell saying I must pay £259.60 or a CCJ would be applied on my name. Please ...Please what can I do.

I took up a contract with T-mobile Flext 35 and after the 1st scheduled payment I realised there was no money in my account for that date. Which I believed was my fault. I contacted them as soon as possible to change the date the Direct debit would be going out AND was promised money would be going out on the 28th but to my surprise T-Mobile had went ahead to to debit the money on a wrong date leaving me a DD charge. I have closed the account but I am looking to claim the last charge back . What can I do?