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urgent help please overdraught not signed for


jezzyjet
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hi there

 

Im under pressure and need advice, ive got 2 days to reply to a ccj letter reguarding a buissiness overdraught that is outstanding of 28k theres about 9k of bank charges in this total that im going to claim back but what i would like advice on is the following, my o/d was at 25k and i was struggling the bank phoned me and offered me another 10k over the phone which i accepted ,they sent me the paperwork to sign and return which i didnt ,question are overdraughts like credit cards covered by the cca 77/78 section can they enforce the debt if i havent signed for it? any help in which direction to go would be greatly accepted as im running out of time and the stress is starting to get to me

 

many thanks jezzy:sad:

R.B.S Mastercard £7,189.00 written off default removed

NatWest Goldcard

Natwest business account

Natwest joint personal

B&Q Trade account

Debenhams store card

leeds mortgage

Nationwide

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IF YOU HAVE FOUND MY ADVICE HELPFULL PLEASE CLICK ON MY SCALES, ALL ADVICE IS GIVEN IN GOOD FAITH AND IS MY OPINION ONLY

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No, they are not subject to CCA.

 

You say that you have about 9k bank charges. However, if this is a business account, I am afraid that there is a very real doubt as to whether they are recoverable at all.

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