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.
I went into my bank and requested an extension on my overdraft...bingo - they agreed, so i got an extra 1000 overdraft limit. I am a student and have an original overdraft. I wrote down a date for how long i needed this extension for - iwa shappy with this. 3 days late ri geta letter - no covewr letter or anythign explaining what it was about - it said that my overdraft had a reveiw date till October, so theres me thinking great i dont need to worry about paying back that extension over draft anytime soon. On that later it had my original overdraft limit and not my extended one, this was a bit confusing but i assume dit would relate to my extended one since i applied for one. I mean y else would they send that letter about ,y original? Anyways i found out - not by my bank, by my insurance company that my DD never went through, i checked online and it said i could not take any money out, so i called online banking, they said my over draft was back to my original. I went into my bank and spoke to one of the managers, i was told that i made a 'verbal' agreement and they did not need to tell me when they cancell my extenmded overdraft limit. They also said that i gave them a date of when i wanted it reverted back to my original over draft limit (which is true). They also said that i agreed to have it back to my original overdraft limit once mny student loan went in - but this was 4-weeks after that my overdraft got put back to its original. After showing him my letter that i received about the reveiw date, i was told that it was about my original over draft not my extended one. Afte ri asked him y it was sent - he said he did not know y. Since this i have had 38-pounds a time charges for not paying a DD (when it clearly says on my online statement that my DD went through everytime (even when i called they told me it went through), but late ron found out my DD got returned unpaid and occured a 38-pound charge. I have had 5 x 38-pound charges in 1-month and x1 10pound maintainance charge.
I have called on 3 occasions and pope dintot he bank to resolve this issue - each response was 'sorry we cant help you'.
Does anyone know of they are making illegal charges and giving out false information? I mean sending me a letetr with no cover letetr explainign what its about - surely that cant be right? and all these charges for a DD unpaid when it clearly says online that it went through.
Re: Bank Charges/overdraft cancellation...confusing
Your post is quite difficult to understand, but from what I can gather:
You had an overdaft at a set amount (Amount 'X')
In addition to this you had a temporary overdraft (Amount 'Y') which you agreed would end on a set date.
You had in writing something regarding overdraft X saying it would be reviewed in October, no mention of your temporary overdraft Y.
Temporary overdraft Y ended on the date you agreed with the bank.
I don't understand the problem with the overdraft - you asked for a temporary overdraft and got one.
As for the charges, you need to have a thorough read through the FAQs to see how to claim them back. There is a step-by-step guide and lots of other important information.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
Re: Bank Charges/overdraft cancellation...confusing
Originally Posted by barracad
Your post is quite difficult to understand, but from what I can gather:
You had an overdaft at a set amount (Amount 'X')
In addition to this you had a temporary overdraft (Amount 'Y') which you agreed would end on a set date.
You had in writing something regarding overdraft X saying it would be reviewed in October, no mention of your temporary overdraft Y.
Temporary overdraft Y ended on the date you agreed with the bank.
I don't understand the problem with the overdraft - you asked for a temporary overdraft and got one.
As for the charges, you need to have a thorough read through the FAQs to see how to claim them back. There is a step-by-step guide and lots of other important information.
thanx for that. But they what about the other things, sending me a letter with NO explaination on what it is about. I mean it just went straight into technical clauses. What about them telling me my DD were paid and then later finding out they were NOT. ??? surely that must be wrong
Bank Charges/overdraft cancellation...confusing
...bingo - they agreed, so i got an extra 1000 overdraft limit. I am a student and have an original overdraft. I wrote down a date for how long i needed this extension for - iwa shappy with this. 3 days late ri geta letter - no covewr letter or anythign explaining what it was about - it said that my overdraft had a reveiw date till October, so theres me thinking great i dont need to worry about paying back that extension over draft anytime soon. On that later it had my original overdraft limit and not my extended one, this was a bit confusing but i assume dit would relate to my extended one since i applied for one. I mean y else would they send that letter about ,y original? Anyways i found out - not by my bank, by my insurance company that my DD never went through, i checked online and it said i could not take any money out, so i called online banking, they said my over draft was back to my original. I went into my bank and spoke to one of the managers, i was told that i made a 'verbal' agreement and they did not need to tell me when they cancell my extenmded overdraft limit. They also said that i gave them a date of when i wanted it reverted back to my original over draft limit (which is true). They also said that i agreed to have it back to my original overdraft limit once mny student loan went in - but this was 4-weeks after that my overdraft got put back to its original. After showing him my letter that i received about the reveiw date, i was told that it was about my original over draft not my extended one. Afte ri asked him y it was sent - he said he did not know y. Since this i have had 38-pounds a time charges for not paying a DD (when it clearly says on my online statement that my DD went through everytime (even when i called they told me it went through), but late ron found out my DD got returned unpaid and occured a 38-pound charge. I have had 5 x 38-pound charges in 1-month and x1 10pound maintainance charge.
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Originally Posted by barracad
