Evening All,
I have spent an hour skimming the forum but have found nothing directly on point. I would be grateful for any assistance as I would like to respond to Apex in the next few days on the below.
I was contacted before Christmas by Apex saying there was a balance of approx £560 outstanding on a Santander account.
The last contact I had on this account (that I can find) was a statement from Summer 2008, showing me to be around £50 in credit.
It may be I am at fault for not updating Santander as to a change of address
(I genuinely cannot remember as I thought I had, or maybe just presumed I had).
The card I had expired in 2009. I have had no correspondence since. I now bank exclusively with another bank and have done for 3.5 years+
I have requested a printed list of transactions from Apex which I have now received.
This shows that as of March 2009 the only transactions are for £1.99 monthly direct debits to Dixons.
I then went overdrawn by 64 pence and then £2.63 in April and May 2011 (almost two years after the card expired and two years since my last "active" use of the account ).
The remainder of the debt is made up of unarranged overdraft fees (£85 x 1, £100 x 4) (I was not aware it was even possible to get an overdraft on that account),
unpaid direct debits (£25 x2) and a £5 charge. I do not have the original terms of opening (this would have been pre 2004)
I am minded to send a cheque for £2.63 and the £5 charge but do not know if I have a leg to stand on.
To me the charges of £100 per month seem punitive for a £2.63 debt.
I am kicking myself and although to date the Apex person with whom I have corresponded has been reasonable
I cannot see a £2.63 or £7.63 settlement going down too well.
I would be grateful for your guidance before I respond further.
