Bank interview re charges help

Moody_Mare

The bank is TSB.

dunstonh

I would like to know what line to take with the bank as they want these charges paid. Bearing in mind this is 93 year old man who has never been overdrawn in his life so not in the habit of doing this.

Impossible to say in advance what line they will take. So, its not really possible to say what line you should take. You are totally reliant on their goodwill as there are no legal grounds (currently) to argue. So, it would probably be better initially to play it nice and point out the issues involved that prevented anyone from dealing with the account in that period. If you go in all guns blazing from the off, then the person may decide to take a hard line back.

jamesd

Assuming there was mental impairment, creditors are supposed to be understanding and consider options such as forgiving interest and charges once presented with medical evidence of the condition. You having a guardianship order may well be sufficient and it may be of use to provide the bank with a copy of that document. Nothing legally binding in it, just what is good industry practice.

smartiedriver_2

Go in and play nice. You might be surprised how understanding they are. Charges are passed automatically, there is not a person sitting there saying, "hmmm, how much can I charge this man today?"

If you go in demanding X, Y and Z you will likely get nowhere, you will get the person's back up and as they are not obliged to refund the fees, you'll end up with nothing. If you go in nice and polite, explain the predicament, and ask if they would consider refunding the charges as a gesture of goodwill, you will probably be successful.

Good luck.

Moody_Mare

Thanks to all that replied, just an update. I spoke to the manager and gave him a copy of the guardianship order. He was very nice and stated that he would cancel the debt collectors and refund his bank charges. So I good result. Thank you all.

Common_Sense_2

see - banks can be nice!