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've still got this in my head and so far none the wiser. If due to stays I am unable to pay DD's (only one) due to the fact I think the bank owes me more in charges than is currently owed to them, I am refusing to bring my overdraft into the black.
It is the bank who is supposed to manage my account, therefore if another creditor comes chasing me for money, surely I should be able to say that my bank were supposed to pay you, but have choosen to take all the money for themselves.
How does this stand up in court? Probably the Judge will say you've still got to pay, as if someone steals your money in the street thats not the creditors problem, but the bank is classed as your middleman, and if a middleman doesn't pay then I think it's a different story, as he owes the money.
In this situation I would like to hope I can have Halifax claiming against Lloyds, rather than me as I can prove that had it not being for Lloyds charges I would of being able to keep paying Halifax.
As no ruling has been made on the charges then no you could not use this arguement. Better to open another bank account and get your salary paid into the new one. You will then be in a position to pay the DD's etc.
Is my bank responsible for payments?
into the black.
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