Nic Barnes
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Registered: 5th Apr 04
Location: nowhere near ginger people
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i received a letter a few days ago that my bank were giving me an overdraft of 100 quid. now i didnt ask for that, but whatever i rarely get down under 100 quid in the bank so may come in handy.
now i checked my bank before, i have 192 balance, available says 192. surely it should say 292?
so i just found the letter from my bank. its for a different account? i only have 1 bank account. ive never had 2. account number and sort code are both different to the ones on my bank card and statements.
wtf? is someone trying to scam me or what?
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Cosmo
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Registered: 29th Mar 01
Location: Im the real one!
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Did the letter ask you to do anything?
If I were you Id ring any number of the letter and see what they say!
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Nic Barnes
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Registered: 5th Apr 04
Location: nowhere near ginger people
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no, letter didnt ask me to do anything. just stated that from 23rd id have 100 quid over draft.
ive never set up another bank account. ive got the same account as i had when i was 16. its a visa electron one not even a switch or anything. its as basic as you can get.
im thinking im going to have to phone the number up and find out whats going on. im a little bit worried actually.
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DannyB
Premium Member
Registered: 6th Feb 08
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If you know it isnt for the account you have then phone up and speak to them, obviously wouldn't be the first time someones details have been cloned, did the letter have a specific branch address?
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Eck
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Registered: 17th Apr 06
Location: Lundin Links, Fife
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Get on the phone to them asap Nic. If you only have one account, then the worry is someone has stolen your identity to create another!
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DizzyRebel
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Registered: 2nd Jan 09
Location: Lincoln
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Call your bank, not the number on the letter.
Ask if there is another account open in your name and if there is tell them to close it immediately as somone has obviously decided to use your details to open an account and land you in the shit.
It happened to my cousin once before and she ended up being told she owed the bank £700 for her overdraught even though she hadnt opened the account in the first place.
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Nic Barnes
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Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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right so phoned the known number for my back that i get on my statements. its same number as on the letter. letter was adressed to my full name which i never use.
so the automated account thing didnt recognise the info on the letter. spoke to someone and the account doesnt and has never existed. cant make sense out of the letter at all. they checked through my account for any weird transactions and there wasnt anything.
so basically, ive no idea what this letter is for, as it appears to be nothing. im still a bit worried about it. im not a rich man, so i dont exactly have a lot of money for it to go missing.
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Eck
Premium Member
Registered: 17th Apr 06
Location: Lundin Links, Fife
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If it's not on the systems, they'll not really be arsed looking into it. Your best bet is to take it into a branch, and have it faxed across to the main office to have it looked into.
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Nic Barnes
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Registered: 5th Apr 04
Location: nowhere near ginger people
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yeah might take it into bank and get it looked at. i need to go in to sign some documents anyway as im now changing my account to a new one just incase.
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deano87
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Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
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But in answer to your first question, no, your balance shouldn't have +£100 because you have an overdraft 
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Cosmo
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Registered: 29th Mar 01
Location: Im the real one!
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quote:
Originally posted by deano87
But in answer to your first question, no, your balance shouldn't have +£100 because you have an overdraft
Balance should, but the amount available should be +100.
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Nic Barnes
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Registered: 5th Apr 04
Location: nowhere near ginger people
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quote:
Originally posted by Cosmo
quote:
Originally posted by deano87
But in answer to your first question, no, your balance shouldn't have +£100 because you have an overdraft
Balance should, but the amount available should be +100.
thats what i thought it was suposed to be.
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Cosmo
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Registered: 29th Mar 01
Location: Im the real one!
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It does, I have an overdraft I dont use but it shows as available balance on my online banking.
The only thing that will effect that is a debtcard charge that is yet to come out so wont show off my balance but wont allow me to spend that amount of money.
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Nic Barnes
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Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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new bank account i just set up gets me a 200 sheets over draft right away. im not sure i want it though. i dont like banks or bank accounts hence ive never changed this account since i was a lad.
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jibjob
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Registered: 6th Apr 08
Location: Elworth, Cheshire
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i had this exact same thing mate are you with halifax by any chance? they sent me a letter saying i was getting an overdraft of £100. it didnt come when it said so i went into the branch to check and they said i cant have an overdraft on that account and they dont have a clue what the letters about. Waste of time they are IMO
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Nic Barnes
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Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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quote:
Originally posted by jibjob
i had this exact same thing mate are you with halifax by any chance? they sent me a letter saying i was getting an overdraft of £100. it didnt come when it said so i went into the branch to check and they said i cant have an overdraft on that account and they dont have a clue what the letters about. Waste of time they are IMO
yep is halifax.
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jibjob
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Registered: 6th Apr 08
Location: Elworth, Cheshire
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They are a waste of time. The only reason i have the account is because i dont really want an overdraft as id probably be at the bottom of it all the time  then when you do want an overdraft with them they try and fleece you of having an account where u pay £10 a month just for having it!
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