Bank... field agent... charges

And if there is nobody at home or nobody answers the door when the field agent calls, would they make a further charge for subsequent visits?

Give them your new address - some small island off of Scotland - let them know you will be in next Saturday afternoon around 3:00pm to meet their "field agent". Tell them you would have handed the cards back to the local branch but they closed it.

They presumably leave a card which entitles you to visit a local branch and be set upon by large blokes with baseball bats when it's convenient for you.

At 12:31:50 on 01/06/2006, Colin Forrester delighted uk.finance by announcing:

What if you'd already shredded them?

In message , snipped-for-privacy@white-eagle.invalid.uk writes

My only thought is that creditors often send letters threatening visits to people's homes or work. Its the one thing guaranteed to get them worried enough to comply. They rarely send anyone though.

After months of refusing to pay a bill I didn't owe I was also threatened with such a visit. I turned up at their head office (it wasn't far from me) and insisted on speaking to the person who wrote me the letter, saying that I wouldn't leave until I spoke with him. Apparently he didn't see people personally as he was a very busy man. I asked that they leave a message that I was also a very busy man and if he isn't prepared for uninvited callers to see him at his place of work he should damn well stop threatening others with the same thing.

On the matter of the charge however, check your terms and conditions. They are allowed to charge reasonable costs and £45 quid doesn't seem unreasonable for getting someone to physically come and visit you. They do own the cards and if you failed to return them on request how else would they recover them?

Something is a little odd about your issue though. If your overdraft was authorised and within its authorised limits then there shouldn't have been an issue at all.

Then you'd be identified as outed as the offspring of a Middle-Eastern dictator.