HI Guys
In my case My Bank A/C overdrawn by unauth OD(DDebit)then bank applied unpaid item Charge.then this balance started to grow up by massive monthly charges every month.at one stage bank contact me over the phone and Arranged a repayment plan and also adviced me me this was a CCA.but I never received any letters from bank confirming this.
but on monthly bank statements they made the overdrawn balance as overdraft limit then started to deduct the limit by agreed monthly repayment amount every month. I failed to make payments so they started to add charges again .then this arrangement/Agreement? expired. bank also wrote me a formal letter saying this planned OD expiring and they will make further decision about extending OD .then no communication from them for a while.
then i received a letter from them saying to pay the full balance and not
doing so will damage my credit worthiness.I didn't take this serious and I started to make a claim against the bank was looking for advice on the internet.finally i received letters from DCA and found out Default registered
1.did the bank follow correct procedures in this matter(no signed CCA,no formal letter saying OD limit,No final demand notice,no default notice sent by the bank)
2.is this Default legitimate
if not what is the correct route to fight
advice please