Cabot hassling me for Halifax charges

[dx100uk]

you need to workout what is really the debt

and what are penalties.

 

having read post 1 in a diff light...

 

just because you've suddenly used the OD and gone over its limit

I don't think you can winge 2yrs later at a DD charges.

[Complete Misfit]

The charges are from January to May 2013.

That's the first time I (unknowingly) went into overdraft.

The debt is £58.89 and the penalties are £108.

I have attached a draft of the letter I am going to send them...does that look ok?

Not sure if I should include the bit about saying I didn't want an overdraft.

[dx100uk]

worth a try

 

dx

[Complete Misfit]

 I've sent a couple letters to Halifax about the charges against my account claiming BCOBs.

They've sent another letter fobbing me off, so not really sure what to do next.

Do I send another letter, threatening court action?

I have closed my account with Halifax.

The debts has been passed to Cabot, who have been calling me for the past few months. I haven't been answering them.

Halifax have also said the account conduct is going to reflect on my credit file.

It's getting a bit frustrating and depressing having to go through all this, and I don't know if I'm realistically going to get anything back.

I'm not sure I'm writing the right kind of things.

I looked at the template letter about BCOBS and wrote about my own situation, quoting a few paragraphs of the BCOB regulations.

Also..don't know if there's any address which is better to send to, at the moment I am sending to customer services.

I guess the only thing now is take court action?

[dx100uk]

three threads merged

always better to keep to one thread for an ongoing issue for sake of advise history.

scan them up

**you can post up images/letters by this method immediately. .you don't need 10 posts**

.set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

dx

[Complete Misfit]

Hi Dx, I've attached the latest letter they sent.

It's not too different from the first one they sent. Shall I attach that as well as the ones I wrote?

Edited March 9, 2014 by Complete Misfit

[renegadeimp]

Please convert both to PDF.

[Complete Misfit]

Hi Renegade, I've converted the letters to PDF.

[Complete Misfit]

Ok I've attached another letter I have wrote. I've basically boiled it down to them making unfair overdraft charges against me.

 

I still owe £58, but the fees are £108. Cabot has the debt so not sure if they can try and put a load of extra charges on top.

 

Anyway, hope I can get some feedback on the letter, and if there is anything else I should write.

 

Thanks.

[Complete Misfit]

I have just been ignoring the Cabot calls but have had messages left on my phone from Ruthbridge.

The Financial Ombudsman recently said they aren't going to do anything about it.

Now getting calls on my landline and when I looked up the number found it's Cabot.

I 'm not sure if I should pay off the overdraft debt I owe on the Cabot site, and not pay the charges.

Or I don't know whether I should just pay the charges as well and have done with it.

I'm worried they are going to add a load of interest on it.

[BRIGADIER2JCS]

If Ruthbridge is involved there is definitely a problem with the account.

Unless specifically allowed for in the original contract interest cannot be added/

One has to wonder why Ruthbridge is there, has Cabot off loaded the debt?

[dx100uk]

they cant

 

 

only the OC can

 

 

dx

[Complete Misfit]

Brigadier,

I don't know why I get calls from Ruthbridge now as well.

They leave a recorded message on my mobile every day asking me to call them back.

The number calling my landline is Cabot.

I presumed they were just connected, like the same company or something.

Interesting that you think if Ruthbridge is involved that there's a problem with the account...is that usually why they get involved?

As I still owe £58 from my overdraft and £108 in fees, do you think I should try and pay the £58 on the Cabot website.

.I don't want to speak to them on the phone.

The £58 is what I actually owe, but the £108 is charges I want to claim back but now I'm not sure if I'm going to be able to do that successfully.

[dx100uk]

I don't think you owe anything

and paying it certainly wont stop anything

if anything it will prob make them up the anti.

you'll be seen as a mug for sure.

have you inc the interest on those 'PENALTY fees'?

prob equals the £58!

[Complete Misfit]

Dx,

the £58 is from a few direct debits that went out that took me into overdraft.

I haven't paid this back yet.

What would you suggest that I do now?

[dx100uk]

but why didn't the account have enough money anyway...

are you sure they didn't have a finger in that

 

 

dx

[BRIGADIER2JCS]

What type of account was this CC/Loan/OD?

[Complete Misfit]

It was a current account and I was using it kind of as a savings account.

I thought I had more money in there than I did, and made a card payment which took it into overdraft.

I had a direct debit on it, which further took it into overdraft.

I owe the amount from the card payment and DD, but have an issue with the charges they slapped on there.

I didn't realise it had gone into overdraft for a few months as I had changed address and wasn't getting their letters.

[dx100uk]

when was this please

 

 

dx

[Complete Misfit]

January to May 2013 it started going overdrawn, they closed the account June 2013.

[dx100uk]

I wonder if you can use BCOBS here

 

 

see the RBS link after clicking bcobs

[Complete Misfit]

I've sent them letters similar to the one I found on that link, didn't get anywhwere. I also raised a complaint to the Financial Ombudsman mentioning BCOBS and they aren't going to do anything about it.

[dx100uk]

sri yes you did

was on a small screen

 

 

dx

[Complete Misfit]

it looks like I either pay or ignore them...

They call every day..what would happen if I kept on ignoring them?

They don't know my new address but I'm guessing they can somehow find it eventually.