Also does anyone know the act or what section of consumer credit act 1974 it is? Basic accounts should NEVER allow overdrafts and despite phasing out visa electron and issuing visa debit they still are not debiting transactions immediately from available balance why is that? Any advice would be very much appreciated! Thanks

Please let me know whether i can get this written off as they are now threatening me!

Has anyone got a co-operative bank cashminder account? Has anyone become overdrawn? Do you get yourself overdrawn all the time because they dont debit your account each time you make a purchase and your available balance doesnt debit your purchases for days leading you to think your balance is your available balance? Does unauthorised overdrafts on basic accounts without an overdraft faciilty and cheque book fall under Consumer Credit Act 1974 and make them unenforeable? Have they threatened to close your account and then kept it open? Are basic accounts allowed customers to go overdrawn all the time and can i challenge this? Thanks for reading my thread!