@coopbankuk_help Overdraft Removed Without Warning

[mrbrooks]

Hi all, I have a little issue that's brewing here and would very much like some input...

 

Smile, have apparently rescinded my OD, looks like it happened yesterday (03/04/13) without informing me, on top of this I now have 2 messages in the secure messaging area telling me they are going to charge me for 2 transactions that went through after the OD was removed (04/04/13). I have only figured this out by tracking back my transaction and adding it all up and have also noticed that my OD limit now says £0.00

 

My OD is part of the Smile More account and is supposed to come with £260.00 OD as standard and up to 2 days ago I was£40-£50 under the £260 so I know I didn't go over the agreed £260.00 and the transactions they are charging me for would have easily gone through as they were for £3.72 and £3.99. On top of this I have gotten a missed call from what looks like their collections Dept... (I checked the missed number on-line and others reported it has co-operative debt management team)

 

Now I know (from what others say) they can remove the OD at any time but I feel its a bit off to just to remove it without warning, and then charge me for bouncing transactions and on top of that call me a day later from debt collections.

 

Any input and advice is most appreciated...

 

mrbrooks

[Bazooka Boo]

Have a read of BCOBS, this is IMO unfair treatment by the bank and they are legally liable for their actions...