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.
Just found this forum through searching for other people who have been hammered with ridiculous charges from alliance & leicester.
I am in the same position as the original poster. I transfer money to my A & L account every month to cover the DD for my mortgage payment to them.
I misread my mortgage statement in the beginning of January - it was telling me my payment had gone down from January, so I mistakenly thought that my payment due at the end of January would be at the lower rate - as it said "amount due from January 2008".
Anyway, this resulted in me putting only enough money in the account to cover the new lower payment which apparently would be Feb's payment...
So I went overdrawn by £60. I of course didn't realise this until I got a letter a few days later telling me I had got a account review fee of £25.
Oh well, I thought, I can live with that. However, on checking my account later in the month (I only use it to pay the mortgage), I found that they had charged me £5 for 7 days.
So I instantly transferred more than enough money in to clear it all.
Imagine my surprise when I went to transfer some money in today, to find that they'd debited another 21 days @ £5 a day!
So by going overdrawn £60 by misreading a poorly written letter, I received £165 in bank charges!
I am absolutely furious with this. But who to talk to?
I remember going overdrawn many years ago with Natwest, and they made every effort to contact me by phone to tell me that I needed to settle to avoid charges.
I can't help thinking that Alliance & Leicester are not too bothered about doing this - after all, the longer the customer is in the dark, the more money they make!
Just found this forum through searching for other people who have been hammered with ridiculous charges from alliance & leicester.
I transfer money from my A & L Savings account to my A & L current account every month to cover the DD for my mortgage payment to them.
I misread my mortgage statement in the beginning of January - it was telling me my payment had gone down from January, so I mistakenly thought that my payment due at the end of January would be at the lower rate - as it said "amount due from January 2008".
Anyway, this resulted in me putting only enough money in the account to cover the new lower payment which apparently would be Feb's payment...
So I went overdrawn by £60. I of course didn't realise this until I got a letter a few days later telling me I had got a account review fee of £25.
Oh well, I thought, I can live with that. However, on checking my account later in the month (I only use it to pay the mortgage), I found that they had charged me £5 for 7 days.
So I instantly transferred more than enough money in to clear it all.
Imagine my surprise when I went to transfer some money in today, to find that they'd debited another 21 days @ £5 a day!
So by going overdrawn £60 by misreading a poorly written letter, I received £165 in bank charges!
I am absolutely furious with this. But who to talk to?
I remember going overdrawn many years ago with Natwest, and they made every effort to contact me by phone to tell me that I needed to settle to avoid charges.
I can't help thinking that Alliance & Leicester are not too bothered about doing this - after all, the longer the customer is in the dark, the more money they make!
Ridiculuous
payment to them.
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Ridiculous overdraft charges!
