How do i put account in dispute?

[Matt from Cott]

Hi all quite new to this really but feel i shouldnt be,

 

I am about to put a claim in for an amount totalling arnd 1300 for this year made up of unplanned overdraft charges really.

This week i got a statement saying on 1st of July they are going to take out 193.13p i simply can not afford to pay that. I am a single parent for gods sake, ok i agree i should keep closer eye on finances but only in a few days now charges can exculate.

 

My rant over

 

My Question, Im sure i read somewere u can put an account in dispute until charges being claimed for is resolved. In meantime all activity on account is frozen. I have another account i can use not from same bank.

 

 

any help really really appreciated im getting down.

 

 

Matt B

[vogelrok]

go and setup a coop bank account to have your money paid into.

 

if you are on benefits of anykind inform Llyods of this and show them your letters from tax credits and such. they cannot touch money that the government says you are entitled to live on.

 

get everything out of the bank before they do. me and my wife got caught this way. the banks dont care where the money comes from and what it has to pay for,. they believe they are above all other debtors in the land.

[Matt from Cott]

Thanks for help and i already have an account ready.

My question is tho is it possible to stop activity whilst a dispute ie bank charges is going on?. Im in recipt of tax credits etc and the charges wd finish me off nxt month for sure if i had to pay them.

 

matt

[vogelrok]

you wont get them to stop they dont care about your problems.

 

so get everything moved. move all direct debits and standing orders.

 

the oft cant stop them charging you whilst a test case is on going so we really dont have to much chance.

 

i know it might be a pain moving it all but at least they will be taking there own money not your kids and yours.

[maroondevo52]

Hi, Matt.

 

You could try sending them this..........

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/42170-right-appropriation-stop-bank.html

 

 

Regards.

 

Scott.

[Matt from Cott]

Ok i have moved all direct debits etc without any problems thus far, when the charges come out of my old account (lloyds) there just going to push it further and further in the red. Overdraft interest is not going to stop is it, will they eventually get a DCA to recover the money?

 

 

Thanks in advance

 

 

Grest help on here truly grateful thank you guys

 

 

matt

[Matt from Cott]

bump

[**Tilly**]

Hi Matt

 

Have you sent of your sar for your data.

[Enron]

SAR is definately worth doing.

 

Would also push them for Manual Intervention sheets if they dont arrive.

 

The Manual Intervention sheets can allude to whether processes carried out on your account are entire automated, or involved human action.

 

Obviously an automated process is low cost, as part of an overall IT billing system which deals with millions of entries, calculations and so forth per month will cost them a matter of pence and not the highly inflated £35+ which is being levied unlawfully against customers.

[Matt from Cott]

Subject Access Request is on its way fanks.

[Rooster-UK]

When you receive the information, go through it and do a spreadsheet of all the unlawful penalty charges.

Next send them a letter requesting the repayment of these charges, enclosing a copy of the spread sheet. Click the following ling for letter.....

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

 

Then after two weeks, if they have not responded favourably, send the letter before action.......

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

 

Use the time while you are waiting by reading the FAQs and the step by step guides. They will answer a lot of your initial questions.

 

Any problems, post on this thread. Also, try to keep it up to date with progress reports so that other users will be able to best help you.

 

Regards, Rooster.