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Ok please be patient while I explain this situation to you all!
My Mum was an MD of her own company. She had a guaranteed overdraft with them (not sure what this means)... Anyway, Mum ignored how deep the business was into the overdraft and I assume that it went over the agreed limit, in the space of about 3/4 months she incurred £5000 worth of charges on it. My Mum decided to take out a loan to clear this off and stupidly guaranteed it personally so, even though the business was Ltd and its ceased trading almost 10 years ago she still has to pay for the loan.
When this reclaim your charges thing started Mum was interested in knowing whether she could claim the charges they had levied back or not so she sent an SAR. They came back with 2 accounts!!! One with about £1500 owed and another with the loan from the business which I believe is about £5/6k outstanding.
Mum knows nothing about this second account, never signed for it never asked for it, they're saying its a personal account, which she knows is wrong because she only ever banked with them personally for me to get the pigs, everything else was with TSB....
What's the next step? I was thinking send a formal SAR as I dont think my Mum did, then following that ask for the CCA....
Opinions anyone?
xxx
My Mum was an MD of her own company. She had a guaranteed overdraft with them (not sure what this means)... Anyway, Mum ignored how deep the business was into the overdraft and I assume that it went over the agreed limit, in the space of about 3/4 months she incurred £5000 worth of charges on it. My Mum decided to take out a loan to clear this off and stupidly guaranteed it personally so, even though the business was Ltd and its ceased trading almost 10 years ago she still has to pay for the loan.
When this reclaim your charges thing started Mum was interested in knowing whether she could claim the charges they had levied back or not so she sent an SAR. They came back with 2 accounts!!! One with about £1500 owed and another with the loan from the business which I believe is about £5/6k outstanding.
Mum knows nothing about this second account, never signed for it never asked for it, they're saying its a personal account, which she knows is wrong because she only ever banked with them personally for me to get the pigs, everything else was with TSB....
What's the next step? I was thinking send a formal SAR as I dont think my Mum did, then following that ask for the CCA....
Opinions anyone?
xxx
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