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Bank pulls overdraft then reports to experian & co incorrectly!!


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Bank pulls overdraft then reports to experian & co incorrectly!!

Hi people, I have a story. A close family friend had a 10k overdraft. That was pulled by the bank without notice subsequently incurring bounced dd charges & over od charges etc. Now they find out that the credit reference agencies have also been informed - but incorrectly stating that they went 20k ocer a 10k facility. That of course has a big affect on receiving credit in the future etc. My friend is livid and would like to write to the bank & perhaps the ombudsman etc.

 

The bank wants the overdraft repaid & will not return the charges. The total arrogance in this matter is making my friend v angry. I feel they should attack it in writing and seek re-dress.

 

What do you think out there and can anyone please suggest a letter format/template in which to write to the bank with pls??

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