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
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My bank HSBC have taken this months mortgage paymetns from my bank account despite it being £1300 o/d (od/ limit is £500). I spoke to them in January and advised i needed to change my dd details for the mortgage so that it came out of my new account i have opended as i have gone into a dmp. I received the forms and sent them back as the lady on the phone told me that they call for the mortgage on 15th Feb instead of the 1st as i don't have any funds in my hsbc account to pay it with. The bank have now sent me a letter saying the new dd details are set up wef 01st march but have taken febs mortgage from my hcbs account thus making me nearly £2K o/d and they are alaso going to put £125 charges on it for me using it when over the limit - lady on the phone wasn't very helpful when i pointed out that they are charging me £125 for use of the account when i didn't use it or authorise any use of it - the mortgage should have come out of my new one. Sorry if i've rambled here but what do you advise me to do regarding this with hsbc - do i have a good case to a) get the charges withdrawn b) do somethign about the money they have taken?
as tomterm says complain, is HSBC your mortgage provider aswell? if not might be worth giving bank a shout and see if they can recall it, send mortgage people a statement showing the charges when you get it and tell em to pay it as they bodged up as they were aware of bank change
Bank taking money
have taken this months mortgage paymetns from my bank account despite it being £1300 o/d (od/ limit is £500). I spoke to them in January and advised i needed to change my dd details for the mortgage
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