TSB cash account charges

[locospit]

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

[dx100uk]

so the debt wasnt sold 

but passed to the DCA who stated 'our client' on their letters

big diff.

 

however. does the debt also have a defaulted date in its summary box/area.

 

yes you can reclaim the charges anyway, they are unlawful.

 

what dates are we looking at here too please?