Guys ,is a final demand notice sufficient for a bank to register default on your name and close a current account without notifying you.???? this is what my bank saying. help me friends

HI Guys In my case My Bank A/C overdrawn by unauth OD(DDebit)then bank applied unpaid item Charge.then this balance started to grow up by massive monthly charges every month.at one stage bank contact me over the phone and Arranged a repayment plan and also adviced me me this was a CCA.but I never received any letters from bank confirming this. but on monthly bank statements they made the overdrawn balance as overdraft limit then started to deduct the limit by agreed monthly repayment amount every month. I failed to make payments so they started to add charges again .then this arrangement/Agreement? expired. bank also wrote me a formal letter saying this planned OD expiring and they will make further decision about extending OD .then no communication from them for a while. then i received a letter from them saying to pay the full balance and not doing so will damage my credit worthiness.I didn't take this serious and I started to make a claim against the bank was looking for advice on the internet.finally i received letters from DCA and found out Default registered 1.did the bank follow correct procedures in this matter(no signed CCA,no formal letter saying OD limit,No final demand notice,no default notice sent by the bank) 2.is this Default legitimate if not what is the correct route to fight advice please

As both parties(Bank & Consumer) Knows there s no properly executed agreement exists,why do we have to write to the bank to provide them and waste our 28 daystime, instead can't we fast track the procedures by advise them that there s no such CCA exist ,and demand the bank to remove the default by giving them 21days time

Thanks Johnny

I have the same situation like you 1.account overdrawn by bounced DD-no OD limit in place 2.Bank penalised me by £30 charge-Couldn't bring the a/c back in track due to hardship 3.recurring penalties monthly ended up with £345 overdrawn fully made up with unfair penalty charges 4.bank passed the debt to debt collectors -no final demand notice, nor default notice 5. DEFAULT REGISTERED with all CRA's 6.i paid part of my debt as final settlement- i did this because there was no update of Default at CRA's at that time but it appeared back dated some time later WHAT CAN I DO PLEASE HELP ME GUYS

I had my bank account overdrawn by £20 by a direct debit to t-mobile ,then DD was returned unpaid and bank charged me £30 but I could't afford to pay that penalty then its now ended up with £345 overdrawn by Banks recurring penalties (some times £75 a month) the debt fowarded to debt collecters recently and a default registered with all major CRA's *****CAN I REMOVE THIS DEFAULT**** this is totally unfair as this debt fully made up with banking charges,I haven't borrowed even a penny from the bank(First Direct)

My current A/c gone overdrawn by bounced Direct debit and the bank (FIRST DIRECT)applied £30 penalty .and now it ended up with £345 outstand fully made up with penalty charges and a default registered with all major CRA's ****CAN I REMOVE THIS DEFAULT***********

To people who don't have penalty charge information, register for lloyds TSB online banking ,you can go back up to 6 years

I ve sent out one against lloyds tsb today