Cash card account unauthorised overdraft default .

[h0tsh0t87]

Hiya 

 

Many years ago on this site there was something called default removal templates to send to creditors . In the form of letter one,  then a second letter then a third . 

 

Sometimes these were successful sometimes not I was just wondering do these things still work

[dx100uk]

i believe there was a time when they were popular some  +10yrs ago but we never officially endorsed them as it was a bit of a myth 

and they were linked to freeman of the land twaddle. if a default did get removed it was typically because of another reason not as a result of that 3 letter process.

 

what's your issue and with whom

spill the beans

dx

 

[h0tsh0t87]

Hi 

 

I have a default on my account from bank of Scotland.  

 

I had a account with them for a number or years. 

A payment came out of my account which I didn't recognise and they refunded me. 

They then took the money back. 

Leaving my account in the negative balance. 

I buried my head in the sand and eventually it defaulted . 

 

It turns out the payment I didn't recognise was mine

the company just used a different name.

I never said this to bank of Scotland I just ignored their letters. 

 

My question is,  is their default allowed.

My bank account was a cash card account which is giving to anyone due to my credit rating .

There was no credit facilities available such as overdraft or cheque book.

It was simply a basic account to receive and withdraw funds.

 

On that bases I don't think I ever entered Into a credit agreement .

The funds owed to bank of Scotland is because of a disputed amount .

[dx100uk]

you mean:

 

Has halifax broke rules registering this default - Halifax Bank and Bank of Scotland - Consumer Action Group

[h0tsh0t87]

Surely to register a default there needs to be some sort of credit agreement? 

 

A cash card has no credit features on it and no scope to every get any on it . 

 

 

[dx100uk]

nope.

you went into an unauthorised OD that you didn't clear, they were quite correct to issue i think its called a facility notice under the section 5  CCA.

 

all your threads are concerning defaults recently, what is your real problem?

why are you desperate to get defaults removed?