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Originally Posted by Chrysalis
Shaun I expect these people may have done the advice, its luck if you end up in court or not, seemingly the ones that ended up in court are because the bank was too overwhelmed and it wasnt intended.
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It is intended - even if they know they're not going to win it'll weed out some of the claims as some customers will threaten court but not go through. Instant savings for the beancounters!
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Sending the letter templates doesnt affect what happens in court the court preparation does and to be fair I havent seen much advice on court preparation because all the sites like CAG are so confident that you wont end up in court so they not bothering.
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It does matter - if you're not reasonable and fair in your dealings with them it'll not go in your favor when you get to court.
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Umm with my debit card if I get a declined payment there is no charges, didnt you mean stop setting up direct debits when you know they will bounce?
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I have been charged £25 everytime i use my card beyond my overdraft,
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This is what some banks apply under the guise of a "card misuse fee" when you use your card to either spend money via switch or guarantee cheques when you don't have the money.
Not all card transactions that will take you overdrawn are declined.
