Bank Charges Passed to Debt Collectors - Help Please!!!

tripled

meer53 wrote: »

The OP DID pay the reduced agreed amount, BUT, they paid a day late, causing further fees.

It was the extra days fees which have caused the new amount owed. The OP admits they haven't spoken to anyone for the last 3 years about the account which is why the fees are now what they are.

Whether we agree or not, they owe Natwest the money and as they have already agreed for them to pay a reduced amount for the original £600 owed, there's not much chance of another goodwill offer.

So far I've explained why I believe the debt and changes may not be legally enforcable, which is why I feel the OP is in a good position to get the balance written off and hopefully a refund of the money paid. So far you keep restating the OP owes the money and should pay the balance, but have not provided any justification on why you feel these charges are enforceable.

Please can you expand on why you believe the debt and charges are legally enforcable, given that the transgression occured, and the contract on which the charges are based was agreed, when the OP was under 18? Or is it just that you believe the OP should pay the debt whether legally enforceable or not?

meer53

tripled wrote: »

So far I've explained why I believe the debt and changes may not be legally enforcable, which is why I feel the OP is in a good position to get the balance written off and hopefully a refund of the money paid. So far you keep restating the OP owes the money and should pay the balance, but have not provided any justification on why you feel these charges are enforceable.

Please can you expand on why you believe the debt and charges are legally enforcable, given that the transgression occured, and the contract on which the charges are based was agreed, when the OP was under 18? Or is it just that you believe the OP should pay the debt whether legally enforceable or not?

In my experience in dealing with requests like this, it is my opinion that the OP would not be successful in getting any further refunds.

We have no idea when the subsequent charges were incurred or how old the OP was at that time, so it's pretty pointless discussing it any further.