Bank fine

[ant_20]

My situation is that i had an agreed overdraft of £180 and was into that of £140

 

Being a student i tend to juggle money alot between accounts and do not have a trustworthy address.

 

After leaving home after christmas and returning to uni i go home for a weekend in feb i open all my mail and realise i have 4/5 letters of just "general concern" about paying my overdraft. With each letter they get more and more "concerned" until they ask me to contact otherwise my overdraft is gone...which happend. Upon knowing this i ring up within the 7 days notice period and pay it all back plus more! I then have to cough up £25 for a fine for being unagreed (which i was until their "concern!")

 

I have also a further £50 worth in the last 6 years which were petty amounts over drawn.

 

What do u think? Can they justify the £140?

[ant_20]

My situation is that i had an agreed overdraft of £180 and was into that of £140

 

Being a student i tend to juggle money alot between accounts and do not have a trustworthy address.

 

After leaving home after christmas and returning to uni i go home for a weekend in feb i open all my mail and realise i have 4/5 letters of just "general concern" about paying my overdraft. With each letter they get more and more "concerned" until they ask me to contact otherwise my overdraft is gone...which happend. Upon knowing this i ring up within the 7 days notice period and pay it all back plus more! I then have to cough up £25 for a fine for being unagreed (which i was until their "concern!")

 

I have also a further £50 worth in the last 6 years which were petty amounts over drawn.

 

What do u think? Can they justify the £140?

[BankFodder]

Have they tried to justify it?

 

probably not.

 

Do you want it back?

[BankFodder]

Have they tried to justify it?

 

probably not.

 

Do you want it back?

[ant_20]

No i havn't taken any action yet, just wanted to check i wasn't being stupid.

 

And yeah i want it back, whats the point in an overdraft if they remove it because you don't pay it back within a few months?!

[ant_20]

No i havn't taken any action yet, just wanted to check i wasn't being stupid.

 

And yeah i want it back, whats the point in an overdraft if they remove it because you don't pay it back within a few months?!

[ant_20]

Sent my first contact through e-mail using the template you have provided inclusive of specific charges.

 

The battle begins

[ant_20]

Sent my first contact through e-mail using the template you have provided inclusive of specific charges.

 

The battle begins

[ant_20]

I have just recieved the standard issue e-mail after including the amounts (£50 & £25) in my original letter.

 

Is this court time? do i need to visit my court or can i do something online?

[ant_20]

I have just recieved the standard issue e-mail after including the amounts (£50 & £25) in my original letter.

 

Is this court time? do i need to visit my court or can i do something online?

[Russe11]

moneyclaim.gov.uk

 

make sure you send them a full satisfaction letter first.....

 

if in doubt, go to your local cab or even library and get infomation on the small claims track.

 

if you go to your local court ask for claimpack/forms/leaflets with your intention of making a claim.

[Russe11]

moneyclaim.gov.uk

 

make sure you send them a full satisfaction letter first.....

 

if in doubt, go to your local cab or even library and get infomation on the small claims track.

 

if you go to your local court ask for claimpack/forms/leaflets with your intention of making a claim.

[ant_20]

Thanks, can i ask what a satisfaction latter is though?

[BankFodder]

Sorry, i've lost the plot here.

 

How much do they owe you?

What contact have you made with them and what have they said to you?

[Russe11]

a Full Satisfaction letter -

 

A letter outlining the reasons why you want the sum due, the amount and the fact that if this demand is not satisfied, this is the final warning before you take the court action.

 

so you have essentially given them every chance to settle the dispute before starting litigation

[ant_20]

I have written to them asking for £50 and the pending £30 (which they say it is now) not to be taken.

 

They replied with "we think we are great and we will take your card away etc"

 

Now i think "so what" so i need to send this last letter as a final written warning yes?

 

Do i make this letter up or is their a template?

 

Thanks for your help so far

[richardc]

See the Library - you will find what you want

[ant_20]

Ok i have sent the you have 14 days to reply message requesting my £50 and my pending £30.47 not to be taken and they have replied with "ok go for it" message.

 

They also said contact our onbudsman or something but i feel this is just nonsense?

 

Have i made all the steps to take them to court now?

 

I am actually not intrested in the interest they owe me as its peanuts and too much hassle so by not including these does it effect me?

 

thanks!

[Spiceskull]

They suggest contacting the Ombudsman - take them at their word. It will cost them £370 (previous threads) just for receiving a letter from the Ombudsman...

[ant_20]

£370!!

 

I only want £80 back in total!! lol

 

What does this person/thing do?

[ant_20]

This topic was closed on 03/05/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group