Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
On receiving an offer letter from the Alliance and Leicester a short while ago which I declined they stated the OFT stance that £12.00 (being the amount that the OFT indicated was not unreasonable in relation to credit card default charges), thier offer was basically based on the same charge.
Now my thoughts on this were The difference between a Credit Card Company and a Bank is that the charge is generally a one off monthly charge, where as banks make a charge for each individual default. OFT may have indicated a single charge of £12.00 as not being unreasonable regarding credit cards, but as far as I am aware they have not made any indications re bank charges to date. And as I am dealing with a bank, and not a credit card company there is little comparison, in the way the charges are applied as far as I can see.
Another gripe of mine is that in the offer letter they state “Finally where additional funds are required, it is always best to arrange overdraft facilities in advance to avoid incoming fees on your account.” I have made a request for same on numerous occasions and have been refused, only to be told that I need three clear months before I can be allowed such a facility, which seems totally ridiculous to me as this problem of charges arose because of the lack of an overdraft facility, and I know if I were to call them tomorrow to reconsider an O/D they would refuse once again. :?
Correct me if I am wrong.
facilities in advance to avoid incoming fees on your account.” I have made a request for same on numerous occasions and have been refused, only to be told that I need three clear months before I can be allowed such a facility, which seems totally ridiculous to me as this problem of charges arose because of the lack of an overdraft facility, and I know if I were to call them tomorrow to reconsider an O/D they would refuse once again. :?
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