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.
Alot of my charges probably doubled due to the same amount being requested in the same month.
Firstly, the DD guarantee says that if the payment date changes they ' will notify you 10 working days in advance of your account being debited or as otherwise agreed'.
If they didn't notify me of a change of payment date, who has given them permission to debit my account on a different date in the same month? And who has told them to stop trying to take payment?
Is this the DDG not a contract?, if so, the guarantee also says 'If any payment is made in error, you should contact your bank or building society which is responsible for giving you a full and immediate refund, even if the original error was made by the organisation collecting the payment'.
They firstly took monies on different dates and secondly tried to take them on two different dates without giving any notification in the same calendar month, and because someone (not me!) let this happen, I have been charged twice (and gone more overdrawn).
If anyones got the full terms of the DD Guarantee I'd like to see them. I've never seen them!!
The terms of the DD Gtee shpuld be printed on the mndate you signed... Used correctly, it's quite effective - eg BT tried to collect £142 on two occasions from my bank last month, even though I am on a monthly payment plan of £20, so I quoted the DD Gtee, and lo and behold, they refunded my charges of 4 x £32 without question - 2 x £32 for their DD and 2 x £32 for 2 other DD's that were not met as it took me overdrawn..
So the direct debit mandate 'terms and conditions' say that if the 'orginisation' fails to collect the first time, they will will only try once more without giving 10 days notice of change of date?.
I've never seen terms and conditions on the back, surely it is supposed to say what it allows on the front.
Direct Debit Guarantee
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