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roko20650 v Nat West Bank business overdraft


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Help please, my husband is self employed and we own our own home, but he has been laid off his sub contract work and there is nothing out there, still trying but in the meantime cannot pay our creditors, thinking of debt management but would like to try going it alone. Where do we start?

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  • 4 weeks later...

roko20650 v Nat West Bank

 

I asked the bank for a copy of the signed credit agreement and they have replied by returning my £1 cheque and saying that there is no credit agreement for an overdraft and that this rule does not apply? What happens now? Any help would be appreciated

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You can ask for a SAR which costs £10 and they have 40 days to provide you with the information, from which you will be able to determine if there have been any unfair bank charges which you can claim back over the past six years.

 

If you have any other creditors such as HP, loans or catalogues you can CCA them.

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Hi cerberusalet.

 

Thanks for your reply. I asked for my bank charges back and they settled to the tune of £3500.00 last year, so do I still need to ask for this report? As far as I know no other significant charges have been made. If I did not sign anything for the overdraft is it still enforceable? What should I do now? I have not paid any money into the account for the last month and stopped all the DD and SO's but obviously the interest is piling on?

 

Roko20650

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With you accepting the offer last year that would probably have been a full & final settlement, so I doubt whether you would have further claim. An overdraft is not covered by the CCA and I don't have the expertise to advise you.

 

If you post in http://consumeractiongroup.co.uk/forum/ two thirds down the page the different banks are listed, you should be able to get more specialist advice.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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