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Legal, pensions and money

The bank is cancelling my overdraft facility.

(20 Posts)
HUNTERF Sun 24-Mar-13 10:06:59

I have had an e mail saying the bank is cancelling my overdraft facility.
I have never used it.
Does this mean that as I am a pensioner I am no longer credit worthy.

Frank

Ana Sun 24-Mar-13 10:08:21

An e-mail, Frank? Are you sure it isn't a scam? hmm

Lilygran Sun 24-Mar-13 10:09:09

It's probably a scam, Frank. Did you reply?

whenim64 Sun 24-Mar-13 10:12:43

Banks would not do this. You would receive a letter and be invited to discuss with your bank. They like you to have an overdraft facility because you pay for it.

glammanana Sun 24-Mar-13 10:13:25

Its probably a scam they do the rounds hoping some customers will reply ?? and some do !!

bluebell Sun 24-Mar-13 10:47:21

It's DEFINITELY a scam

absent Sun 24-Mar-13 10:48:41

Do they send a letter even if you bank electronically?

nanaej Sun 24-Mar-13 10:55:27

Phone the bank and find out the real situation Frank I am v surprised you were not on to this immediately!

absent Sun 24-Mar-13 10:58:28

nanaej Are banks – or bank phone lines with real people – open on a Sunday?

gracesmum Sun 24-Mar-13 11:32:42

I thought you used to work in a bank - are you that gullible?

HUNTERF Sun 24-Mar-13 11:37:33

gracesmum

I worked in a bank but in a head office department.
I know no more about High Street Banking than your average customer.
It will show on my account soon if they do cancel it but I can easily live without it.

Frank

nanaej Sun 24-Mar-13 12:28:18

absent probably not! Only their emergency fraud /lost card lines I guess. But any bank sending out personal emails out of hours ought to be!

annodomini Sun 24-Mar-13 12:31:36

I'd report spam to my email provider. And I have, in the past, notified my bank that someone was spamming in their name. They need to know about this.

Flowerofthewest Sun 24-Mar-13 12:34:28

Banks will normally write to you not phone or email! its a scam

annodomini Sun 24-Mar-13 13:06:58

Fraud lines may be open on a Sunday. Number may be on the back of the debit card or on the web site.

Nonu Sun 24-Mar-13 13:47:55

Hunter you said you never used it , so why are fretting about it ?

You must surely be able to put that fertile mind to other good use .

[shock

Anne58 Sun 24-Mar-13 15:07:10

Definite scam, but who is scamming who? wink

Walk away "ladies" nothing to see here!

HUNTERF Mon 25-Mar-13 23:08:18

Got on to my bank and they are not withdrawing my overdraft facility.
They are increasing it to the new minimum amount they give bank pensioners.
This overdraft facility is given free of charge and I am having it even though I do not anticipate using it.
I did wonder as I was not asked to put any account details in.
Somebody has gone to a lot of trouble considering they can not gain any money out of it.

Frank

Anne58 Mon 25-Mar-13 23:46:29

Don't play the naïve card Frank you know perfectly well how the bank email scams work.

HUNTERF Tue 26-Mar-13 06:29:22

phoenix

All of the scams I have had up till now have asked customers to put in their pin numbers etc.
There is nothing on this e mail asking you to do that so I can not see how the sender stands any chance of getting any money out of the situation.
Anybody with any sense would just contact their bank.

Frank