Unauthorised overdraft

[controlfear7]

I applaud the site’s owners, site team and members that endeavor to help those in distress. You are kind.

 

I left England in 1985 after living there for a few years. At the time I expected to return one day. I did once for about a week to attend a meeting. I have met so many interesting people there. Now, it seems that it may be wise to stay away.

 

I left an item for storage with a bank and eventually ended up having an unauthorized overdraft because of this. The problem should have been completely solved in 2001 but it may be still ongoing. Unarranged overdraft problems resurfaced more than once again. I am no longer sure where the item is. To get the full story, please read the thread that I will be starting soon. What can happen?

 

It is only about a week ago when I first started reading articles about unarranged overdrafts in England. I thought I was reading fiction at first.

 

I was disturbed by fear for a while. It has been harnessed now. I need to get advice. I am currently living with my father who will be turning 86 soon. He certainly does not need to see me getting all worked up.

 

I think it will be best for me not to reveal the name of the bank at the moment. For this reason I have used the word, “item” above. The word used by the bank is different and may reveal who they are. I am new to posting things on this site and must make sure that I am doing things right.

 

In closing, I would like to sincerely thank you for allowing me to participate.

 

controlfear7

[sir_gilmour]

Hi controlfear7

Welcome to The Consumer Action Group.

 

 

I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.

 

Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.

 

 

Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.

 

It can be bit confusing at first.

[ronniewilliams]

Hello!

I am new here and might take some time to understand the whole forum because it is a big forum having lost of threads on different topic. So I suggest you to take a look on forum and select your favorite area and then post there.

[controlfear7]

Hi sir_gilmour.

 

Thank you.

[controlfear7]

Hi sir_gilmour,

 

Many thanks for the precious advice.

[controlfear7]

Hello again,

 

Can anyone please tell me if I can edit my first post: I want to make a few changes but I can't figure things out yet. If posts can't be edited once they're uploaded, I suppose I need to be careful in the future. I'll have to get things right the first time.

[controlfear7]

I may not be able to post my story soon as I said I would because the house has been shaking off and on for hours. Aftershocks after aftershocks. The internet connection stopped for a while. Thank god my loved ones are all alright. I pray that all my friends are safe and I pray for everyone in Japan. I'm writing this while watching the tele with my father. Bad news arrive every minute. Writing this is sort of cooling me down. I'm signing out.

Edited March 11, 2011 by controlfear7

[Craig123]

thoughts are with you and your family in Japan. I spent a month working in Tokyo and really loved Japan and the people.

[cerberusalert]

Moved to the Overseas Forum.

[cerberusalert]

If you have not acknowledged the debt for any six year period it becomes Statute Barred and they are unable to take any enforcement action. They can ask and you can tell them to go away.

 

Even if it were enforceable in the UK they cannot pursue you in Japan as their are no reciprocal agreements between the UK & Japan.

 

Having said the above, if the bank is still holding your property they would be within their rights to keep it until you made payment or sell it to cover the debt.