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 put another thread on here ages ago about my bank charges by the RBS. To cut a long story short - i had an extended over draft - 'verbal' agreement that they call, i remembered giving them a date of when it would revert back to my ORIGINAL overdraft. However, i forgot about htis and days latter i received a letter - reveiw date, terms and conditions - this letter did no say what it was reffering to, i then assumed it would relate to my EXTENDED overdarft. Anyways they cancelled my extended over draft without notice. This left me over 1k in the red. I called customer services on several occasions to resolve this - only to be told: 'sorry we cant help you'. I also went into the bank to complain about this - they promised this would be taken care of. They gave me over 500pounds in charges because of unpaid DD ect. Anyways, on occasions when i called customer services, i had some DD coming out - i checked online banking and it said the items were paid, i asked the customer services advisors and they agreed it did go through - WRONG - what they did NOT do wa sinform me that if i have insufficiant funds the DD would come back unpaid - this thenb put me in a great position to get my money back - illeglay missinformed information - tut tut RBS.
So...this is how i got my money back:
I wrote a letter expalining that i recevied that reveiw date - which did not tell me what it was for. I also complained about customer services telling me they could not help me when they sent letters telling me to call customer services to sort this issue out in the first place. I also said they (customer services) told me the wrong information and claimed my DD went through when they did not. I then told them becuase i had no money and they were charging me for everything i was homeless and in hospital becuase i did not eat. I told them i went to the CAB and seeked legal advice and said i would take them to court.
They then refunded ALL the money back into my account
Hi, well done you! were you really homeless and in hospital?:o
I QUESTION THEREFORE I AM!!
Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!
Tsk tsk, i dont condone lying but i suppose they 'the banks' do enough of it so good for you!
I QUESTION THEREFORE I AM!!
Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!
Great news on RBS - how to get ur money back!
. To cut a long story short - i had an extended over draft - 'verbal' agreement that they call, i remembered giving them a date of when it would revert back to my ORIGINAL overdraft
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Originally Posted by cillitbanger
