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I Need Help With My Response From Nothern Rock Bank

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I have sent Northern Rock the standard letter asking for my money back. I enclosed my scedule of charges which amounts to £2,400. The have replied by stating the following:-


1. Charges on current accounts are charges for services and are not DEFAULT charges or put another way are no a breach of contract.


2. in law, for a clause to be deemed a penalty clause, it has to operate due to a breach of contract


You make reference to a regime that is "unlawful at Common Law without identifying the common law statute or consumer regulations or indeed the specfic sections or regulations you seek to rely on.


You also make reference to the OFT. This pronoucement was in relation to default charges on credit card accounts and not current accounts.


With regards to the threat of court proceedings, Northern Rock looks forward to receving your substantive response to the legal points.


In the event that proceedings are issued without your having provided a substantive response to the legal issues raised, Northern Rock plc reserves the right to bring such a failure to respond and the content of these letters to the attention of the court in relation to its costs.


PLEASE PLEASE SOMEBODY HELP ME. I feel I'm in over my head.

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If the charges relate to going over drawn, bounced cheques & returned direct debits, the following applies;


Wait for the deadline for your first letter to pass & then send your Letter before action.


Ignore any requests to state your legal postion, you will only have to do this in the very unlikley event that you claim gets to court & you have to put forward your case. They are just trying to scare you & confuse you by quoting a load of legal jargon


When the dealine for your Letter before action passes, take them to court.


I must stress that this is as long as the charges are for the above & not related to your mortgage or fees charged for other things.

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