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Overdraft and credit agreement ?
Hitme
Posts: 108 Forumite
Is there a credit agreement for an Overdraft ?.
The reason I ask is that I'm currently trying to sort out my debts and the only debt we have in joint names is the overdraft on our bank account.
I assume when we opened the account we would have signed a credit agreement at that point ?.
Originally the account was in my name only but when we got married 12 years ago my wife was added to it. About 6 years ago I went into the branch to arrange an overdraft and they did it there and then on the screen in front of me but I'm sure I never signed anything at that point and my wife couldn't have had as she wasn't there.
Any ideas where we stand ?.
Thanks.
The reason I ask is that I'm currently trying to sort out my debts and the only debt we have in joint names is the overdraft on our bank account.
I assume when we opened the account we would have signed a credit agreement at that point ?.
Originally the account was in my name only but when we got married 12 years ago my wife was added to it. About 6 years ago I went into the branch to arrange an overdraft and they did it there and then on the screen in front of me but I'm sure I never signed anything at that point and my wife couldn't have had as she wasn't there.
Any ideas where we stand ?.
Thanks.
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Comments
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I believe it is included in the application form that you sign.:cool: DFW Nerd Club member 023...DFD 9.2.2007 :cool::heartpuls married 21 6 08 :A Angel babies' birth dates 3.10.08 * 4.3.11 * 11.11.11 * 17.3.12 * 2.7.12 :heart2: My live baby's birth date 22 7 09 :heart2: I'm due another baby at the end of July 2014! :j
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Look on the bank's website, are their terms and conditions listed under the Freedom of Information act?
....Linda xxIt's easy to give in to that negative voice that chants "cant do it" BUT we lift each other up.
We dont count all the runners ahead of us & feel intimidated.
Instead we look back proudly at our journey, our personal struggle & determination & remember that there are those that never even attempt to reach the starting line.0 -
When you signed for the account originally it will have a section on overdrafts saying you agrree to abide by whatever the terms and conditions of their overdrafts are at the time you get one. So yes, there is a written agreement.
Regards
XXbigman's guide to a happy life.
Eat properly
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