bank account

aka666

the cccs are dealing with my loan and said that i should move my bank count, which i did do about three months ago,i asked natwest to close the account but they said no,every month i get charges and every month i pay for them now the last one came to 60 pound is there any way i can close this account, thanks all

BigCraigJohn

They wont let you close it if there is money owing. Just forget about that account for now and save the money you would usually pay in until you have enough to pay the balance in full. They shouldnt charge for unplanned overdrafts caused by there charges etc.

Jesthar

Hi aka,

You won't be able to close the account if you are in debt on it (i.e. in your overdaft, or overdrawn) - is this the case? If not, what are the charges for?

~Jes

aka666

d/d personal loan and unarranged over draft witch i dont get , i paid 140 pound and 40 and now 60, and i pay all this 1 day before they try to take loan money out so there will be enough money to cover charges..looking at statement they charging 6 pound a day for unarranged overdraft

Tixy

You say CCCS are dealing with your loan? are you actually doing a DMP with CCCS? or are they helping you to offer reduced payments? You need to treat the overdraft as another debt in the same way as the loan. So you need to offer them a monthly payment towards the overdraft and ask them to freeze interest & charges (they don't have to but they might if they see you are paying what you can afford).
If you don't pay them anything at all then they certainly won't agree to freeze the charges.

aka666

dont think i,m explaining myself right, i cant pay the loan so they charge me 6 pound for not paying, they then charge me 6 pound a day for not paying the first 6 pound, thats when they are saying unarranged overdraft, but i allways put in money to cover the d/d so i dont no where these charges are coiming from.
the cccs have told me what i can afford that i hope is going through now, they did say they did not receive my last letter so i got to send it again, i did send it recorded delivery.

Tixy

What is the balance on the overdraft?
You say you put money in to cover the d/d. Is this the loan DD? how much do you pay in each month? how much should the loan DD be?

aka666

the loan is 377, i dont pay so i no there is going to be a fee for unpaid item witch is 6 pound, i make sure i put in 6 pound a month to cover this,i do not have a overdraft..

Tixy

Does your £6 go in before they charge you the £6? if not how many days later is it going in according to your statements? Could you afford to pay in £12 one month so that you are ahead of the charges, which may stop the fees building up.
Or is it that they are trying to request the loan DD twice in a month? a lot of places do this, try on the DD date and then try 14days later.

aka666

ok tixy i will try that i just sent 40 pound and i will pay 12 pound and see how that goes thanks for your help

flybutterfly

aka666 wrote: »

the loan is 377, i dont pay so i no there is going to be a fee for unpaid item witch is 6 pound, i make sure i put in 6 pound a month to cover this,i do not have a overdraft..

Carnt you cancel the direct debit from internet banking,then they wont be able to charge you the fee.