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.
Hi, ive got an issue with HSBC to deal with for a friend of mine, they withdrew her student overdraft with a £1400 limit, (with destroy card order) because she was £8 over her limit on another account without ANY contact.
My question is who holds the power between branches and 'head office' customer services lines. Who has the final say? How do the different 'ranks' of employees work? Im presuming those answering the phones at 'customer services' wont have much clout so how far up the chain to i need to get before i get to someone who can actually call the shots. If im in branch and someone is telling me i 'have to phone customer services' is this a valid response? What, if anything, can customer services do that someone in branch really cannot? How far am i within my rights to refuse to be palmed off in this way and demand that whome ever it is im talking to contact the relevent partie for me and take continue to be my point of contact with the organisation?
I want to be able to take proper action when im talking to banks about my own issues and those of others who i want to help out but my experience so far has always consisted of being passed around from person to person, branch to branch, department to department, not because im bringing somewhere elses problem to them but because the person im speaking to is unwilling to accept any part in the solving of whatever it is im trying to resolve. Where ive worked in similar customer service situations i wouldn’t have dreamt of simply passing the buck in this way, sure if someone’s come to me with something that can be simply resolved elsewhere i'l pass them over but i wouldnt simply leave the customer in the lurch and walk away as happens routinely in UK banks.
In branch vs. on the phone
to deal with for a friend of mine, they withdrew her student overdraft
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