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RBS Unregulated Overdraft going for Direction at Court

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This week I am going to court to get "Direction" from the Judge. In brief I had a private bank account with RBS I wrote two cheques out and then stopped them because the money I was expecting to arrive in my account did not clear, and would of taken me way over my overdraft facility.

RBS paid the cheques, and I am unable to get my money back from the company they were paid to because they have gone out of business. RBS say that I never cancelled the cheques concerned. This put me thousands over my overdraft facility. (My experience in the past is that you go £50 over your overdraft and they will return payments and charge you for the privilege)

I asked for a copy of my current account agreement 3 times. 1st time in June last year, I wrote to the court saying I was unable to get legal council as there was no agreement (hence the "direction" this week)

RBS supplied me and the court this Thursday a photocopy of there standard terms and conditions and have asked that my defence be struck out, quoting various terms within the agreement.

So do they need to provide a signed copy of the current account agreement? What should I say to the judge on Thursday at the Direction meeting? Have RBS got a case?

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