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 have a joint bank account with IF. Having separated from the other account holder she continued to use the account while I used another account and the bank seemed unwilling to freeze the account. Needless to say the ex-wife wrote 2 cheques which the bank cashed. Nothing unusual there but the 1st cheque took the account over the overdraft and the 2nd was cashed while the account was over the overdraft limit, what makes it even worse is that the cheques were not guaranteed. The bank has applied charges which are subject to another claim. I am wondering if there is anything I can do against the bank for cashing unguaranteed cheques? I am happy to pay my half of the agreed overdraft (the account is now frozen) but I want to have any liability removed for the amount which is over the agreed limit (approx £300). A long post I know but an odd one for which I cannot find any info. Cheers.
No expert but I think it is highly unlikely are you are jointly liable and that means you both owe the money and they are not bothered how they get it i.e they will not split the debt and chase you for half and your OH for half it is just owed jointly
do you have any proof in writing that you had informed them you weren't using the avccount any more? that might help your case as it kind of puts the onus back on them as it is their error.
Not Strictly Charges - IF messing me around!
and the 2nd was cashed while the account was over the overdraft limit, what makes it even worse is that the cheques were not guaranteed. The bank has applied charges which are subject to another claim. I am wondering if there is anything I can do against the bank for cashing unguaranteed cheques? I am happy to pay my half of the agreed overdraft (the account is now frozen) but I want to have any liability removed for the amount which is over the agreed limit (approx £300). A long post I know but an odd one for which I cannot find any info. Cheers.
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