Help with first letter

[abi113]

I have listed on a spreadsheet all the charges I am claiming for and wrote the letter but we currently have £-450 on our account, all of which are unpaid charges. Can I add this to my letter asking for them to be taken off? I have stopped using the bank as obv as soon as I put money in the charges swallow it!

 

Thanks

[sapphire001]

I ended up £200 overdrawn by the time Halifax settled and I fully expected them to pay the charges into that account, (a) to reclaim their money and (b) as it was my most recently used account. (I had also opened a new one somewhere else and moved everything there already.

 

I was surprised that they paid the money into a different account, but i did the decent thing and paid in £200 of what they gave me to clear the overdraft - as it did consist of the charges that I'd reclaimed.

 

just make sure that all those £450 charges are included in your claim!

[abi113]

Ok, great - I shall add these charges to my claim too - thankyou. Did you specify that they were claims currently unpaid on your account or just add them to the list?

Thankyou

[sapphire001]

I just added them on to the list on the grounds that although they haven't physically taken my money yet (because there IS no money in the account) , they have charged them to me and it is my account that is now overdrawn as a result. They will expect you to clear the overdraft at some stage.

 

The only charges you can't add are ones that they have said they will take but haven't yet - I've got one to be put on at the end of Nov and another at the end of Dec that I'm trying to get cancelled, as when they do take the money it will make me overdrawn and then they'll charge me unauthorised overdraft fees and we're back to square one again!