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.
Advice of unplanned borrowing: as of above date:can they do this??
Evening all
Sent my S.A.R: recieved 6 yrs statements (requested any copy of any manual intervention: didn't recieve it
they owe me £500 in charges
removed my direct debits and basically not used the account since SAR request bout 6 wks ago though I am £480 o/d within my £500 o/d facility
had letter saying that they were removing the o/d facility in 14 days
I wrote back saying ACCOUNT IN DISPUTE as they'd not fully complied with all the info I'd requested in the S.A.R request manual intervention etc)
they said no where in the Data protection act does it say that they have to comply with such a request
couple days later had letter saying: advice of unplanned borrowing
as of the above date
so basically they are slightly upset at my S.A.R so have removed my o/d and are demanding it paid back
they also stated that I would now be charged £25 daily as unplanned borrowing and also a monthly unplanned borrowing fee not stating how much that one was.
they stated that these would show on my statement as CHARGES
Re: Advice of unplanned borrowing: as of above date:can they do this??
They can close an OD facility when they want, however seems a bit suspicious that they have decided to do it once they received a SAR request, make an official complaint then report them to the banking Ombudsman
Re: Advice of unplanned borrowing: as of above date:can they do this??
Which bank?
Write back to say that as the o/draft is composed of their charges, all they have to do is pay back those charges to the o/d, problem solved, but in the meantime, they will have to take you to court if they want that money back and any claim will be vigorously defended and counterclaimed for those charges, and any further charges they try to levy will be disputed as being a direct consequence of their actions and an attempt to engineer further debt for you, and furthermore, you will be reporting them directly to the fos for their retaliatory action. Point out that the FOS specifically condemned banks which used this kind of action as retaliation against their customers who reclaimed their charges, and you have no doubt they'll feel the same in this occasion. Add that you are looking forward to them explaining their actions of calling in a debt which is being reasonably managed by yourself for what seems to be the dual purpose of causing you distress and engineering further profits for themselves, and would they care to explain where is the responsible and sympathetic treatment of customers as defined in the Banking Code in that?
That should do for starters. ;-)
Apologies to people who I was in the process of helping, I may be gone some time.
Advice of unplanned borrowing: as of above date:can they do this??
statements (requested any copy of any manual intervention: didn't recieve it
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