Well I had a TSB cash account ( basic bank account ) which clearly states in t's & C's No overdraft, no charges.
I have checked my credit report and the account is still flagged as active and a number of charges have been applied £138 for unpaid dd's.
They sold the debt to a DCA who were told to .. as the debt they were collecting didn't exist and was applied illegally.
Which they did and handed the debt back to tsb.
Now, how do I tackle this,
I don't owe tsb a penny
( oh by the way tsb claim the basic cash account is a current account and is subject to charges ( not according to t's & C's )
Do I claim these charges back with compensation as my credit report has monthly defaults recorded for 2:years now or can't I do anything