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Closed account still being charged?
sofababe
Posts: 1,394 Forumite
Nationwide have written to me saying that my account is closed. My account is overdrawn by £500+ made up purely of charges, the repayment of which is currently in dispute as it was an error by them that lead to me being charged in the first place.
My question is this- if they have now, finally, closed the account will they stop adding charges every month? Or do I have to wait until either the dispute is settled or they get fed up of arguing with me and pass it to a DCA?
My question is this- if they have now, finally, closed the account will they stop adding charges every month? Or do I have to wait until either the dispute is settled or they get fed up of arguing with me and pass it to a DCA?
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Comments
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they should stop adding charges themselves but the dca will add their own charges
Slimming world start 28/01/2012 starting weight 21st 2.5lb current weight 17st 9-total loss 3st 7.5lb
Slimmer of the month February , March ,April
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DCA can only add charges agreed to in your bank accounts terms and conditions. Any charges they add that are not in the agreed T&Cs are unlawful and cannot be charged. Not everyone knows this and so they add them on anyway.
If the account is just been handled by the DCA the bank can add charges inline with the accounts terms. But the DCA themselves should not be adding charges.
If this has been a long process have you considered getting the FOS involved?Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.
There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies0 -
It hasn't been passed to a DCA yet but I expect it will soon. I'm trying to claim back the charges as the overdraft was caused solely by charges in the first place but every month they add more charges. Today they have written saying that I can't have access to my account unless I pay as it is now closed. I just wondered at what point will they stop adding these bl00dy charges? :mad:0
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Try asking them!Getting married 02.08.14
Wins for the wedding: membership for a 'wedsite' and app, £35 gift voucher for party supplies shop, £50 worth of hand painted signs, 1kg of heart shaped marshmallows :money:0
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