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.
This is my 1st post and looking for some advice I got a letter from my bank (BOS) last week stating that because I didn't have enough money in my account to cover a £5.96 direct debit that I was being charged £39.00 (I had £3.48 in my account).
So I went straight round to the bank and spoke to an adviser who looked back on my account and told me that it was something called a staggered DD and that as it was my 1st time getting a charge she would get it waived, I was happy with that but asked if I could get that in writing which she said I couldn't.
So this morning I checked my account and to my anger they haven't waived it at all and now I have no money in my account as it's my disability benefit and my wifes carers allowance that goes into that account and we don't get those until a Monday and Tuesday so now i'm another £38.08 in the red and will no doubt get another charge put on.
Needless to say i've cancelled the direct debit but now i'm upset at them saying they would cancel the charge and now they've incurred me another charge by going against their word.
Ok, why dont you phone them and explain you were informed at your local branch, the charge was to be waived. And tell them what you have just told us. They might sort it out for you, and it is worth a try.
If not then we can help you.
They are not allowed to take the money from your account if it is benefits which are in there.
For future reference here is a letter you send them as soon as you know there is a charge due out.
Thanks for your reply and advice on this matter, well I went to my local branch of the BOS this morning as it's just around the corner from my house and spoke to someone else and she appologised as she didn't understand why the other person hadn't put it through to waive my charge.
the good news is that she waived the charge immediately and the money was back in my account within minutes.
I also asked her if due to me not having anough in the account when the charge got put on will I incurr any charges on it and she told me that if I do to go back and see her immediately.
Bank of Scotland charges advice please
) last week stating that because I didn't have enough money in my account to cover a £5.96 direct debit
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