I left the UK permanently in June of this year.
I used my debit card abroad and inadvertently went overdrawn on my account by £6.52 (including interest).
I did'nt have an authorized overdraft.
When I recently logged in to view my account online
I realized that Nat West had added charges nearing £276, since August, because of my 'unauthorized overdraft'.
I was shocked. I no longer use the account.
Have not used it since August.
I won't be returning to the Uk.
Unfortunately I never informed Nat West to close my account when I left the UK.
None of my post was re-directed and consequently I was not aware of the overdraft situation, charges et cetera.
I wrote to Nat West explaining the situation and offering to pay 20% of the charges.
I transferred the overdrawn amount to the account(£6.52).
Nat West sent sent me a nasty reply (I gave them my address abroad) stating they will pursue me for the full amount.
Telling me I am in breach of the t & c's.
They also enclosed info. for me to contact the Ombudsman (I guess they have to do that)
but stated that they 'hoped I would not'.
Last week I wrote to the branch where I initially opened the account to instruct them to immediately close the account
and informing them I had transferred the original overdrawn amount (£6.52) to the account.
Help!
What can I do now?