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I Recieved my standard letter from the halifax this morning, the new one they are sending out.


What is really bugging me and it has been since the beginning is, the OFT and banks keep mentioning "unauthorised overdraught". They seem to always miss out on unpaid DD's.


I have a considerable claim on hold and have no overdraught facility, nor have I been overdrawn or my DD's been paid. Surely if I was allowed to proceed to court with my claim, I could argue that no service has been provided therefore how can they possibly charge.

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