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.
Im new to the site and am fuming with A &L, they have charged me £35.00 a time for going £2.00 over my overdraft, then asked me to pay money in whoch i did but a week later they posted charges of £50.00 which made me go over my overdraft again, and has continually kept doing this, due to their charges i am now £200.00 over my overdraft and cannot afford to pay this off, i spoke to them and advised them that not only have they demolished my credit rating ie i am in the process of becoming a police officer which they could now refuse, and advised them that i need help. They told me that unless i am in receipt of benefite theres nothing they can do, except close my account and come to an payment arrangement plan. I am at my wits end.
I have moved your post to start a thread of your own.
Welcome to CAG. The first thing you need to do is to open a new account. You can find out info on banks which offer accounts to those with a less than perfect credit record here:
It would then be good to do a SAR to find out if they have applied any charges in the past and how much so that you can claim those back. If they have entered a default on your credit record as a result of charges you can apply to have this lifted also.
Have a good read through the FAQs and step-by step instructions before commencing your claim.
There is always plenty of help around should you get stuck.
Re: Sue V A&L
, then asked me to pay money in whoch i did but a week later they posted charges of £50.00 which made me go over my overdraft again, and has continually kept doing this, due to their charges i am now £200.00 over my overdraft and cannot afford to pay this off, i spoke to them and advised them that not only have they demolished my credit rating ie i am in the process of becoming a police officer which they could now refuse, and advised them that i need help. They told me that unless i am in receipt of benefite theres nothing they can do, except close my account and come to an payment arrangement plan. I am at my wits end.
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