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Hi can anyone give me any help, i

 

went over my credit limit on my credit card, and the bank sent me a letter stating this and said they would charge £12,

seeing I always pay the minimum amount by direct debit and i had only gone over my limit by £70,

i left it and the next month i got the same letter again.

 

now I've applied for a job and i need to fill in a security vetting form,

and it asks ' have you ever been sent a default or termination notice from your bank or lender'

is this letter classed as a 'default notice'?

 

thanks

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NO not DN yet but you must get it cleared the 3rd letter is usually a DN.


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thanks for the reply

i've had more than 3 thou, probably 5 or 6 , thou they are all the same as far as i remember, sorry i dont have the letter here with me, but i'm back under the credit limit now and i've spoke to my bank, they dont have a problem with it, just told me to make a bigger payment so i dont go over the limit again.

 

the letter mentions consumer protection act and i should pay what is over the credit limit and they will charge me interest.

 

so this is not a default notice, as i've said i paid every month the minimum amount by direct debt.

 

stupid looking back its cost me more in the charges for sending the letters than i was over the lmit

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you can reclaim ALL those PENALTY fees

 

see below

 

dx


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all the letters have recieved say ' defaultsum notice' does that mean i have a default notice on my credit file ?

these are the only letters i've received.

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They are giving you a chance to clear the arrears without having to acctually issue a default notice!!


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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thanks i'll pay it off, cant believe over a petty thing, it could cost me my job, i just thought they would send me a letter every month and charge me £12 for going over my limit by £70, they are charging me interest,

i'll phone them then when i get home,. thanks.

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thanks i'll pay it off, cant believe over a petty thing, it could cost me my job, i just thought they would send me a letter every month and charge me £12 for going over my limit by £70, they are charging me interest,

i'll phone them then when i get home,. thanks.

Your welcome, good luck with the job.!!!


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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