Tesco Bank sending contradictory messages on overdraft - anyone else?

Nebulous2

dahj said:

Nebulous2 said:

md258 said:

This makes sense when you look at it from Tesco's point of view on the date the letter was generated:
- Customer is already close to their overdraft limit, so their credit file is already not perfect eg "damaged".

I’m not sure where you got that from? 

My reading is is that they had a £2000 overdraft, but were only using the £500 free element. 

The OPs conduct has come to their attention and they've chosen to withdraw lending facilities. They were a bit sloppy but ultimately ODs are repayable on demand. 

I don't disagree with that. The assertion that he was close to his limit was what I was questioning.

[Deleted User]

Nebulous2 said:

dahj said:

Nebulous2 said:

md258 said:

This makes sense when you look at it from Tesco's point of view on the date the letter was generated:
- Customer is already close to their overdraft limit, so their credit file is already not perfect eg "damaged".

I’m not sure where you got that from? 

My reading is is that they had a £2000 overdraft, but were only using the £500 free element. 

The OPs conduct has come to their attention and they've chosen to withdraw lending facilities. They were a bit sloppy but ultimately ODs are repayable on demand. 

I don't disagree with that. The assertion that he was close to his limit was what I was questioning.

Hence the comment about being sloppy