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Can you cca for bank account? Please read :(
Hi there 
im after some advice on various things so I'll start with this.ive been searching other threads but I'm still unclear.
I've recently checked my credit file and found a default from a bank for a "basic" bank account from 2010 for around £300. I had no idea I'd defaulted.
the default is solely made up of charges 100%.i had a zero balance, then a failed direct debit charge then charge after charge after charge. I refused to pay it.
Now I've seen a few posts on other forums about ico guidelines and that if a default is made up of charges and if not for charges it wouldn't have defaulted then a default should not be placed..... I can't actually find this on the guidance myself can anyone help?
i also would like some clarification on if you can send the following request to the bank " a copy of the original credit agreement , a statement of accounts and copies of default notice"
i ask because I sent that letter to the bank via recorded delivery over 2 months ago and have had no response. When I asked the question on another forum they said u couldn't cca a bank which confuses me as I've seen so many posts where people have done so and got a response from the bank.
not only thar but surely if I've requested something they need to respond?
Any advice would be fantastic.
Thank you
im after some advice on various things so I'll start with this.ive been searching other threads but I'm still unclear.
I've recently checked my credit file and found a default from a bank for a "basic" bank account from 2010 for around £300. I had no idea I'd defaulted.
the default is solely made up of charges 100%.i had a zero balance, then a failed direct debit charge then charge after charge after charge. I refused to pay it.
Now I've seen a few posts on other forums about ico guidelines and that if a default is made up of charges and if not for charges it wouldn't have defaulted then a default should not be placed..... I can't actually find this on the guidance myself can anyone help?
i also would like some clarification on if you can send the following request to the bank " a copy of the original credit agreement , a statement of accounts and copies of default notice"
i ask because I sent that letter to the bank via recorded delivery over 2 months ago and have had no response. When I asked the question on another forum they said u couldn't cca a bank which confuses me as I've seen so many posts where people have done so and got a response from the bank.
not only thar but surely if I've requested something they need to respond?
Any advice would be fantastic.
Thank you
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