Closed BOS Bank charges question??

[tbathgate]

Hi Guys,

 

I must say first this is a brilliant site!!!!! I found it through the MSE website.

 

I have a question about a BOS account that is now closed.

 

The account was a student account which had a £1600 OD, stupidly i let it go over this to the tune of £2000. The account was registered as defaulted and the balance was £3254.

The account was then passed to a debt collection agency. Payplan manage this for me and pay a monthly repayment to BOS.

 

What i want to know is can i go through the process of DPA letter and then make a claim even after this has been with a debt collection agency? The charges are from three years ago. and I'm in scotland.

 

i couldn't find a thread that said anything about this.

 

Also would this apply to a BOS credit card as well? same story but not as much money.

 

Any help is much appreciated!!

 

Thanks all

 

Tom

[tbathgate]

This topic was closed on 03/06/19.

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