No advantage

[stevebarker]

Whilst applying for a Nat West mortgage 2 years ago I was told by the chap on the phone that if I converted my current account to an Advantage Gold account I would be elligable for a further discount on my mortgage, so I converted at a cost of £9 a month.

I soon discovered that the discount was next to nothing so I decided to cancel the advantage gold account, in the meantime they took out £9 which put me £2 overdrawn. This account is never used by me so they are the only ones to take money out of it.

The £2 overdraft has now grown into nearly £150 because they keep adding charges for unauthorised borrowing, but it's they who've taken the money out not me!

I've pointed this out to them and told them I will not be paying the charges, as far as I'm concerned the account is closed.

Question is how do I go about actually closing the account?

[Seminole]

I wouldn't worry about it too much. If they ever come after you for the charges, then you have a very strong defence that the debt wholly comprises unlawful charges.

 

If they try to default you, then you will have a potential claim for defamation against them.

[cheddar]

Question is how do I go about actually closing the account?

 

Just write a letter to your branch saying you no longer use the account and want it closed, if they ask you for the balance back say it is them that have already taken the money anyway, they already have it!

[stevebarker]

This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group