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.
Hello Everybody,
I have an RBS cash card acoount but i do not use this card for nearly 3 years for i have another bank account i am currently using. 3 years ago i moved anotehr address and i notified all my banks and credit card companies about address change including RBS. At that time i had 15 pound in my account.
However two month ago i got a call from them telling me i owe them 275 pounds for overdraft charges. I asked how did happened, they told me nearly one year ago AA tried to get money from my account using a direct debit mandate. Then they charged me 28 pounds for overdraft since there is not enough fund in my account. then sent a letter to my previous account, of course i did not get it, then they charge me every month since then.
AA side is another story. one year before i got a road recovery contaract with them and paid all cash. However they asked my bank details, actually i did not see any proplem with this, english is my sec language and i am not good rewading small print. I think they use this account to ask money from RBS altough i did not renew my contract with them.
at the end i refused to pay the money. It is unfair and for me day time robbery. . On the phone they always use an abusive language and try bully me to paying it straight away. what should i do any help will be appreciated. thank you for everything
Firstly, do not speak to them on the phone. If they call you, refuse to answer their security questions and insist that everything must be in writing. If you don't talk to them, they can't bully you.
Do you have all your statements covering this period, or where they sent to your old address too?
RMW
I am not an expert in law, finance or any related field, I just read a lot. Any advice is based solely on what I've read so please don't take it as gospel without checking it out yourself.
I prefer not to give advice by PM. If you want me to look at something, send me a link to your thread, and if I can help I'll reply on there.
Thank you for your answer, i do not have any statement, for they send my all statements send my previous address. However i got a statement from my local branch it shows there the only transactions are those bank charges.
They contacted me after ten months over my phone number. hey should have contacted me after first month. Anyway, now i got a letter 2 days ago to my last address, asking me pay 450 pound otherwise they threaten me to file a default and do necessary things to recover the debt.
I do not believe that it is my debt. what should i do? i do not want them to list me as defaulted for it might affect my relations with other banks and institutions. can they get this money from me through courts?
do you know any law company to take this on legal aid? please help
I need some help
cash card acoount but i do not use this card for nearly 3 years for i have another bank account i am currently using. 3 years ago i moved anotehr address and i notified all my banks and credit card companies about address change including RBS. At that time i had 15 pound in my account.
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