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I received a letter from DLC and Bank of Scotland in mid-Dec 2014 to tell me that my overdraft had been passed on to DLC. I requested a copy of the agreement, a full statement of account, a copy of the deed of assignment and copies of any other documents related to the account.
On the 14th Jan 2015 I received a heavily redacted copy of the deed of assignment and a letter stating that they were waiting on the rest of the documents from Bank of Scotland.
Today (1st of April) I received a copy of my original application form for the business account that the overdraft was attached to a copies of previous bank statements and a new balance which is now higher so they are obviously are charging interest without bothering to tell me in the last four months.
Am I right in saying that the agreement was in default from not complying to my request in time but it is now no longer since they have finally produced the signed document between the bank and myself? If the agreement was in default did they have the right to add interest to the account during that time?
Please help, my head is spinning
Chris.
On the 14th Jan 2015 I received a heavily redacted copy of the deed of assignment and a letter stating that they were waiting on the rest of the documents from Bank of Scotland.
Today (1st of April) I received a copy of my original application form for the business account that the overdraft was attached to a copies of previous bank statements and a new balance which is now higher so they are obviously are charging interest without bothering to tell me in the last four months.
Am I right in saying that the agreement was in default from not complying to my request in time but it is now no longer since they have finally produced the signed document between the bank and myself? If the agreement was in default did they have the right to add interest to the account during that time?
Please help, my head is spinning
Chris.
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