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 recently moved my account from Lloyds to A&L, as getting pretty fed up with their charges and so on, decided it would be a good parachute account due to the interest free od for 12months. However a few months down the line and I'm back to my old spending habits and accidently went over my od by £3.06 but I've been charged £50 for the priviledge. Not only that but because of their charges (which I wasn't aware of as it's internet banking and they don't send statements except a letter saying your od and to put some money in your account immediately) I've gone od again by £15 so will incur another £25. Have rang A&L and quoted the OFT April 06 and that the costs involved are especially disproportionate in this instance and I've been told that on this occasion they will waive one of the £25 charges but as I am now aware of the charging system they will not credit anymore charges.
Don't really want to go down the suing route with this one yet just wondered if anyone had any advice on what I should do if anything?
I was in a similar situation recently. A direct debit was paid out, putting me £26 over my OD limit. They hit me with a £25 charge for this and then followed that up with a further charge of £25 on day 2, and another £25 on day 5 for the unauthroised overdraft. I phoned them up about the first charge and they agreed to refund it. I took steps to transfer funds into the account, but it was done electronically and took 4 days. Phoned them about the other £50 of charges and they refused to refund them. So I wrote to them and explained my circumstances (£500 vets bill when one of my cats was taken ill and eventually diagnosed with kidney failure. had to have her put down ). They then wrote to me and asked me to contact them by phone. On doing this, I was told they were refunding the charges.
Always worth a shot with a well written letter first of all.
Thanks for that, will give it a go. A letter has more clout than a phone call, should know that really but sometimes you can't see the wood for the trees.
£50 charge for being £3.06OD
to A&L, as getting pretty fed up with their charges and so on, decided it would be a good parachute account
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). They then wrote to me and asked me to contact them by phone. On doing this, I was told they were refunding the charges.