Abbey business banking help

clairibel

Hi there, i have just recd a letter from abbey today with £165 charges, so £30 for each item charged to account and £15 overdrawn fee and interest.

Thing is i have rung them and they agree to waive one £30 charge, my business folded in august and was on the sick and i was waiting for my sick to go in account on certain date, which it didn't and when i phone benefits they told me had lost my sick notes and i had to get duplicates....all time consuming and by this time 5 small direct debits had come out, we are talking max £10 and i have been charged £30 for each one, plus other charges.

Do i have a case, i asked them why they cannot email to let you know about situation as i would have nipped it in the bud, but i am on sick for a reason and have been very ill with business going under. They just said i can check online which i did but nowhere does it tell me i'm being charged £30 for a £4.99 transaction.

Is there anything i can do to argue i was expecting payment off sick, which is in there now but it was delayed and i can prove with duplicate sick notes, i just don't have £165 spare.

Thanks for any help x

natweststaffmember

clairibel wrote: »

Hi there, i have just recd a letter from abbey today with £165 charges, so £30 for each item charged to account and £15 overdrawn fee and interest.

Thing is i have rung them and they agree to waive one £30 charge, my business folded in august and was on the sick and i was waiting for my sick to go in account on certain date, which it didn't and when i phone benefits they told me had lost my sick notes and i had to get duplicates....all time consuming and by this time 5 small direct debits had come out, we are talking max £10 and i have been charged £30 for each one, plus other charges.

Do i have a case, i asked them why they cannot email to let you know about situation as i would have nipped it in the bud, but i am on sick for a reason and have been very ill with business going under. They just said i can check online which i did but nowhere does it tell me i'm being charged £30 for a £4.99 transaction.

Is there anything i can do to argue i was expecting payment off sick, which is in there now but it was delayed and i can prove with duplicate sick notes, i just don't have £165 spare.

Thanks for any help x

Has the business gone under and been wound up?
Have you informed Abbey previously about the situation with the business?

clairibel

Yes the business has gone under due to health issues and is being wound up, i rang the abbey last week asking how to close the account and not one mention of the charges were given to me then.

I have downloaded a MSE template and explained that the sick should have gone in to cover the debits, which added upto £34 in total and i got charged £165 for the pleasure, so do you think this is the best thing to do?? But the benefits office misplaced the notes and never informed me, making me behind with account...not sure they will waive fees but seems awful lot to me and very upsetting.

natweststaffmember

clairibel wrote: »

Yes the business has gone under due to health issues and is being wound up, i rang the abbey last week asking how to close the account and not one mention of the charges were given to me then.

I have downloaded a MSE template and explained that the sick should have gone in to cover the debits, which added upto £34 in total and i got charged £165 for the pleasure, so do you think this is the best thing to do?? But the benefits office misplaced the notes and never informed me, making me behind with account...not sure they will waive fees but seems awful lot to me and very upsetting.

Still working out what to do. Was the company limited or sole trader?
Was the business made bankrupt?

clairibel

Hi the company was Ltd and no not bankrupt just ceased trading....i had to set it up to work for another company as customer service advisor and i had to have business bank account also. So i've sent my forms to companies house to dissolve it as easier and cheaper than leaving dormant.

Thanks for your help BTW, much appreciated.

natweststaffmember

clairibel wrote: »

Hi the company was Ltd and no not bankrupt just ceased trading....i had to set it up to work for another company as customer service advisor and i had to have business bank account also. So i've sent my forms to companies house to dissolve it as easier and cheaper than leaving dormant.

Thanks for your help BTW, much appreciated.

I gotta say this, I still am not sure as to what happens to a debt when the company is dissolved. Can I ask you to repost this on https://www.legalbeagles.info/forums
I know they will answer the question better than me on business side of things.
The answer in my mind is either reclaim the charges or tough luck the company is dissolved(but I have to be 100% to say which one might be right and I'm not).

clairibel

Just to let you know, i went down the letter route from the template on here last thursday and today have recieved a letter from them and they have waived the fee's :j I am so relieved and thanks for your help and this site for the relevant info...woohoo!!!

So i am now closing the account so no more mishaps occur!.