Need a bit of advice on going forwards...

[coolchris]

Hi. I want to clarify a matter. A halifax bank account that went into arrears and overdraft due to outrageous, never ending charges was passed to an "inhouse" debt collector and they claim that my dispute is not so as it the debt is an overdraft and is not covered by section 77-79 of the consumer credit act 1974, which refers to credit agreements. Overdrafts are covered in section 74. That section, she says, does not apply to an overdraft of a current account anyway (?), as it is exempt from the requirements of part V of the act that there will be no documented agreement.

 

So what angle of attack do I now take with this. The bank complaints section have passed from the Inhouse collection - Blair Oliver and Scott to outside agency - Fairfax solicitors, although I have heard nothing from them whatsoever and the bank complaints say I must contact them within 6 MONTHS!!! FROM 12 JULY 2011. .....thats wierd I thought. So anyway, should I just wait until the outside people contact me or are they correct and I cannot fight my dispute as they claim there is none?

 

Any advice on this matter please would be greatfully received.

Edited July 25, 2011 by maroondevo52
Removed unsuitable word.

[maroondevo52]

Hi,

 

Disputing the Bank Charges on Current Accounts is almost impossible after the court case, have you tried coming to some sort of arrangement to pay the arrears, have you asked them to remove some or all of the charges.