Bank Account Charges

Cooksey66

Hi

I am new to this website so don’t know if I have put this in the correct place, but I need some help with an old Bank Account.

Over 3 years ago over £700.00 pounds was stolen from our account. This was from an account that we did not used at the time, however I needed to pay a cheque into it and from midnight when the cheque cleared the money had gone.

I went to the bank first thing in the morning and they put me through to the bank fraud department, and they had confirmed that the money had indeed been stolen and the balance on the account had been looked at everyday for 2 years and the only time I put a cheque into the bank they had stolen the money.

The bank did immediately put the money back into my bank account. I then advised that I wanted to take all the money out of the account there and then and then close the account. They gave me the money and then asked me to sign a form to closed the account which I did. However I have just had a bill though from a debt collecting agency for the account being overdrawn by £1800 and they are demanding this money from me.

I need to write them a letter and I don’t know where to start or what to do about this.

Can anybody , please advise or know where I can find a template letter .

Many Thanks

Hannah_10

Right so to put this very simply. You don't owe it in the first place. That means your template letter of choice is the prove it letter below.

1 High Street,
Newtown,
Kent
R21 4RH
October 9, 2007

The Loan Company
Company House,
Church Street,
Newtown,
Kent,
R1 7HG

Dear Sir/Madam

Ref: xxxxxxxxxxx

You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves.

We would point out that we have no knowledge of any such debt being owed to The Loan Company.

We are familiar with the ‘Office of Fair Trading Debt Collection Guidance’ which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

We would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

We would ask that no further contact be made concerning the above accounts unless you can provide evidence as to our liability for the debt in question.

We await your written confirmation that this matter is now closed. Otherwise we will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

We look forward to your reply.

Yours faithfully





Mrs A N Other