gone overdrawn since starting claim.

FROTTAGE

hi, im looking for some advice

since opening a parachute account and moving my pay into it, i have discovered that i missed a direct debit payment from my old account, this has resulted in over £200 in charges not all of which are included in the schedual the bank sent me and are increasing as this process continues.

will i need to claim these charges in a seperate process once the original claim is settled or negotiate the payment in this settlement.

Twinkly

FROTTAGE wrote: »

hi, im looking for some advice

since opening a parachute account and moving my pay into it, i have discovered that i missed a direct debit payment from my old account, this has resulted in over £200 in charges not all of which are included in the schedual the bank sent me and are increasing as this process continues.

will i need to claim these charges in a seperate process once the original claim is settled or negotiate the payment in this settlement.

You have a couple of options here:

1) Provided you havent already started a court claim you can add on these charges to the amount currently claimed and send a letter 'revising' your claim with the amended figures.

2) If you have started court claim you can amend the claim but it will cost you £35 to do so and isnt refundable.

3) If you have started court claim and dont wish to amend it at a cost you can settle this claim and then go on to reclaim these charges as a seperate process afterwards. Just make sure to not to sign anything agreeing to future charges as this will encompass these.

FROTTAGE

Thanks For The Above But Its Now Go More Complicated

I Started Work After A Short Period Of Unemployment 2 1/2 Months Ago And As I Needed To Get My Pay Into A Bank Account I Contacted Nationwide To Find Out If I Could Have The Charges Which Made Up 100% Of My Overdraft Removed.

They Said That They Wouldnt Be Prepaired To Do This As They Believed The Charges To Be Fair (they Even Sent Me A Patronising Photocopy Of A Leaflet Explaining How I Could Manage My Money Better!)

They Then Suggested I Could Pay The O/d Back Throug Ha Seperate Agreement At £10 Month, The Telephone Monkey Seemed To Suggest That This Would Be Classed As An Overdraft (in Fact He Never Mentioned The Word Loan Or I Would Have Been More Suspicious)

I Have Now Got A Default Notice, Which Isnt Too Scary As They Are Mainly Talking About Taking Away My Cheque Book/cards/overdraft Ect Which I Dont Use.

However I Am Worried That My Credit Score Will Be Affected And That As It Seems To Be Classed As A Loan I Wont Be Able To Reclaim The Charges.

Any Help Really Appriciated.