they have also included my personnel loan account which i have not defaulted on, any advice
2007-02-10 01:07:00 · 8 answers · asked by Anonymous in Business & Finance ➔ Personal Finance
you wont be able to close your account but you should stop any salary etc being paid into it or they will snaffle the lot. as the other chap said, tell them you cannot pay it and they have to offer a repayment schedule.
finally go and see citizens advice and they will give you sound advice on how to tackle your individual circumstances.
good luck
2007-02-10 01:26:13 · answer #1 · answered by Anonymous · 0⤊ 0⤋
They have to accept a repayment offer and if they refuse ask them to put in writing as to why and if they take it to court you stand up and say "i made them an offer to pay, in writing, and they refused it"
With the loan thing they cant include this in the default if you have not defaulted on it, it is a seperate contract, I would bring that up in court too!
Remember banks like to think they are above the law and with us little people we are just there to be stomped all over and were not. Remind them of what the law is and tell them your serious about seeing them in court. Banks dont like going to court because 1, they are usually trying it on with the customer, just look at that bank charge scandal! and 2, it usually gets thrown out anyway
2007-02-10 04:44:39 · answer #2 · answered by rose 3 · 0⤊ 0⤋
Banks are a law unto themselves and as I have said in other answers today run the country of UK. Luckily the law courts are on your side as the judges also get ripped off by banks. Go to court but have made an offer for repayment before
2007-02-13 08:37:20 · answer #3 · answered by Professor 7 · 0⤊ 0⤋
I'd get in touch with the Consumer Credit Counselling Service to get your interest stopped and set up a repayment plan. Then get yourself a cash-only a/c set up in the meantime so they don't snaffle your paycheck from your current a/c. Also get hold of the Office of Fair Trading guidelines and check the legality of the bank's actions and any charges they've imposed. That'll reduce the amount you need to pay back.
2007-02-10 01:26:40 · answer #4 · answered by Benny Blanco 2 · 0⤊ 0⤋
GET out of there . pay nothing and they will accept a payment offer. refuse to pay interim charges whilst matter remains unresolved.
2007-02-10 01:18:45 · answer #5 · answered by katrinasfather 3 · 0⤊ 0⤋
take alot of cash with you and go see the bank manager
2007-02-10 01:16:09 · answer #6 · answered by the man 3 · 0⤊ 0⤋
you have to close the accounts and offer them a monthly payment that you can afford
2007-02-10 01:17:03 · answer #7 · answered by dumplingmuffin 7 · 0⤊ 0⤋
time is money, money is not time... think of it...
2007-02-10 01:09:35 · answer #8 · answered by Pedro M 2 · 0⤊ 0⤋