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Fraud Caused Overdraft - Now I'm In Breach of Their Terms


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I have an account which is £124 o/d due to them allowing refusing a standing order, which I had cancelled, going through and charging me a £35 fee for the privilege (which put me o/d) then a series of fraudulent transaction went through (with overseas payment fees) which took me further into the red. They then charged the subsequent fees, although they did get some of the fraud back.

All this happened between Feb and Jun this year, but they have only this month written to me about it, threatening me with a default notice, and is now showing 2 months last month, then 5 months this month not paid.

I have written to them but they state I am in breach of their standard terms...I don’t know what to do about this? Any advice?




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