Sub Prime Credit Card Club

TFD_2

Aah gotcha

Just to understand your position, did the T&C's for the bank account list that they may apply these charges? Also did the direct debit come out in error, or was it correctly set up to come out from this bank account?

If yes to both of these, then the bank's probably done nothing illegal. They state that they MAY pay DD's when insufficient funds are in the account, or they MAY return them. It's their call.

You say you haven't gone overdrawn on money used for purchases - but you have really, it's just been via a direct debit rather than card / cheque transaction.

If these fees have been correctly (albeit harshly) applied to your account, then you do owe the bank this money - and they won't want to close the account without this being repaid.

It is possible that the bank MAY choose to be lenient, if the account has previously been run well, but it would be down to their discretion if they want to do this.

darcyvuqua

hey how did it go fairmorn hope you aint to stressed im off shopping in a bit to get a few things for going back to work on monday going to use my cap one card and pay in full one last time before my 4th statement

claire6hy

i feel rubbish today
my glands are all swollen

Sammy_Girl

Good Afternoon All,

Fairmorn - I hope thge court case went well. Let us know how you get on.

I hope you're all enjoying your day - guess who's back at work lol

geordieracer

TFD wrote: »

Aah gotcha

Just to understand your position, did the T&C's for the bank account list that they may apply these charges? Also did the direct debit come out in error, or was it correctly set up to come out from this bank account?

If yes to both of these, then the bank's probably done nothing illegal. They state that they MAY pay DD's when insufficient funds are in the account, or they MAY return them. It's their call.

You say you haven't gone overdrawn on money used for purchases - but you have really, it's just been via a direct debit rather than card / cheque transaction.

If these fees have been correctly (albeit harshly) applied to your account, then you do owe the bank this money - and they won't want to close the account without this being repaid.

It is possible that the bank MAY choose to be lenient, if the account has previously been run well, but it would be down to their discretion if they want to do this.

Ive noticed Barclays have started to do this more then just send the DD back unpaid. Getting charged for it is a pain as when it was woolwich they just sent it back but now you get 2 charges instead of one. :mad:

darcyvuqua

anyone around today?

claire6hy

meeee im here

fairmorn308

hello everyone

darcyvuqua

hey fair how did today go matey

jack290292

Hi All,

Hope today went well fairmorn! Let us know if you can!

A question re chances of getting 0% BT card (ie Virgin)?
On electoral roll 15 years plus
1 Financial assoc Husband - Has basic bank account, 1 subprime CC (nothing negative)
Av Credit 8K
Used 4%
Active credit accounts 7 inc current account with small OD
Defaults etc 0
Late payments 1

Any idea if you think I'd have a chance...I have 2 sub prime CC at the moment but would like to do a BT from one of them?

Thanks for any advice.