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    • The OD was dropped and Wescot/Cabot sent the letters regarding the loan. I thought by starting a new post I would be giving the correct info. As Cabot quote account numbers, duration of loan, and credit amount on the statements, what would my options be if a letter of claim did turn up? I sadly do not have the outstanding balance.
    • as long as you've told cabot of your correct and current address then stop paying see if they send a letter of claim. as for the OD then? are you still paying that £30 or indeed any dca on historic debts? i thought also there was a mix up earlier upon what the debt was, you weren't sure if it was a loan or the OD? dx  
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    • see where they go. though i dont think barclays never were nor never will be anything to do with this moving forward. as ethel street explained. its a simple case of you as a director paid yourself £13k and the liquidators dont like it. tough cant get blood out of a stone. the very worst would be a civil court case and if you lose a CCJ and even thats pretty much useless to them. is your home jointly owed and mortgaged? dx
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£25 charge for 40p short on DD.

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Hi all,

i've just received a letter from the Alliance and Leicester saying a DD has not been paid for £10.40 due to the fact there was only £10 in the account. For this they are due to charge me £25 in due course. It was an oversight on my part as it's a new account and I wasn't expecting the DD to be collected so soon. Can they justify this charge for the sake of 40p and do you think I could get it back if I spoke to their customer services??






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Hi all,

i've just received a letter from the A+L stating that a DD for £10.40 has been returned due to there being insufficiant funds in the account. When I checked, there was 40p short! They will take the £25 charge in due course and i'm sure they will take that from the account whether the money is there or not! Is there anything I can do to stop this, I'm on a debt management plan and I just don't have the £25 spare. Any help would be appreciated.






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Yes you should speak to them.

Is there any reason why they should have been suspicious of you or imagined that you wouldn't be good for the money?

How new is the account? Have regaulr funds been going in?

Is it a basic account?


Ask them nicely and explain the situation to them and see if they want to play fair.

If they don't, come back here.

Don't talk to them without recording your call.

Get a call recorder

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