Little confused

[Tomsck]

Hi all.

 

Ok. I tried to move my account away from LTSB early 2005. They messed up and didn't move my direct debits in time, and as a result a load of them bounced. The account was otherwise well managed, and in credit.

 

However, the charges resulting from this are still there, and I now owe them over £600, which is purely charges, backdating to early 2005. This is entirely their fault, although that's a little tricky to prove.

 

What do I do? Do I use your letters as usual? (If so, can someone please clarify which one?). The situation seems a little different to most of what I've read here, and I don't know where to start! Do I just go yell at them in the branch or do I need to be more subtle than that?

 

Thanks so much.

Confused.

[mahala]

Just follow the same process. You'll find it in the step-by-step thread in the FAQ. The process is the same in this case, no matter that they caused the charges.

 

Good Luck!

[reload]

Hi Tomsck, and welcome to the CAG

 

Looking at your story, you may want to try either phoning customer services or going into the branch and having a word. As the charges are down to the bank's error and are an unpaid overdraft (That's the impression I get?) in the first place, you may have more luck than those trying to claim back charges that they've paid off - effectively, they're the bank's debt at the moment in an unused account.

 

Certainly shouldn't be any harm in trying first. I would do some research on the reasons behind the way most claims are being submitted (Breach of the Unfair Terms in Consumer Contracts law, etc etc), so you have that to back you up when you phone the callcentre/speak to the branch.

 

If that doesn't work - well, sue the buggers

[Tomsck]

Thanks to you both.

 

I'll be going to speak to them very soon, and if I don't get a good answer then I'll give them the first of your letters.

 

I'll keep you informed.