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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Getting a refund but account still "overdrawn"; what to do?


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8 threads merged, pls keep to 1 thread per claim, it helps keeping track of your progress.

 

I don't quite understand what you're getting at.

 

You're getting 1.5 k, £705 of that will wipe off the o/draft. If the debt is still outstanding, it's not money you actually paid out, so you can't just get it wiped out and still get 1.5k. Or am I missing something here? :confused:

 

Doh! Of course... brain had gone AWOL once again!

Ian P of Edinburgh

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  • 3 weeks later...
Let us know what happens!! I think I'm going to have to send them in myself in about a weeks time. So I'm interested in the banks response.

 

Let us know

DT

 

Well, Donald and All. Today was the deadline of the 14 days notice from the Sheriff Officer serving the charge on BoS at Head Office. Guess what? Nothing in the post.

 

Last week they wrote to me (Louise Paterson, a Litigation Clerk in Halifax) giving it the old, "..we do not appear to have received the original claim form.../ I would therefore be grateful if you would provide me with..."

 

Cutting a long story short, I e-mailed the info and told them to get a shift on... And my wife called them today and got, "Well as it is a joint account we're not really sure who to make the payment out to... and we're still waiting for a couple of things coming in..."

 

Wife told her that if it's not in my bank account by tomorrow morning, then we're sending the Sheriff Officer (who we've to call back tomorrow) in.

 

Will update -- Their time is up!!!

Ian P of Edinburgh

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Well I'm only a wee bit behind you.:) My charge has been served by the Sheriff Officers (I phoned them today).

 

I believe I now have to wait on a copy of the charge being sent out to me in the post. Is that what happened in your case?

 

I take it the 14 days start from the date the charge was served on them?

 

I think I've done it a wee bit different. You served your charge on your local branch is that correct? I've been a wee bit naughty:D and served it on their Head Office!!!:D

 

If I don't have the cash shortly it'll be the head office the bailiffs get set upon!!

 

Let us know what you think

 

All the best!

DT

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Well I'm only a wee bit behind you.:) My charge has been served by the Sheriff Officers (I phoned them today).

 

I believe I now have to wait on a copy of the charge being sent out to me in the post. Is that what happened in your case?

 

I take it the 14 days start from the date the charge was served on them?

 

I think I've done it a wee bit different. You served your charge on your local branch is that correct? I've been a wee bit naughty:D and served it on their Head Office!!!:D

 

If I don't have the cash shortly it'll be the head office the bailiffs get set upon!!

 

Let us know what you think

 

All the best!

DT

 

Same as yourself -- had it served at the Mound HQ! They are prevaricating because the Visa card account has my wife's name (not mine) on it and they'll obviously have to deduct amount still overdrawn...

 

They've had plenty time to sort all this and been thrugh an entire legal procedure. Mr Llewellyn (Sheriff Officer) is going in tomorrow or next week to seize their assets if they do not pay up.

 

Will keep you posted.

Ian P of Edinburgh

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Just been awarded my final payment due to me from my BOS account which amounted to £1440 with the previous awards the money was into my accout as soon I had the letter stating that they wouldnt defend the case. The final win took over 6 days to reach my account which strangly enough was the same date my overdraft came up for renewal !! guess what no overdraft ! so basically they kept the award to repay my overdraft. When i questioned them they stated they wouldnt cancel my overdraft because of my claim but I have letters stating it was due for review in June !!. So now im getting my own back with a further claim for return of fees going back past the 5 year limit. So please dont count of this money if you have an overdraft on your account.

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Yes, indeedy-doody I have news!

 

Cheque arrived yesterday for £1,047.75. They had deducted the overdraft but also did us a HUGE favour.

 

I had claimed, under Ordinary Cause, for TWO accounts -- one of which was a VISA account in my wife's name. They have refunded me on the joint account (pay attentiion at the back!) but separated the two and offered a Final Settlement on the VISA account! :shock:

 

This now leaves us in a position to go after the full 500-odd on the VISA account under Small Claim with no "duplication case get-out" for BoS.

 

Bless!8)

Ian P of Edinburgh

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