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.
We are looking for some advice quite urgently really as
the Abbey has justreduced our overdraft from £2,400 to £50.00. We are on hold regarding reclaiming our bank charges and awaiting a decision as the case has been stayed by the county court. We stopped using our account with Abbey, but maintained payments each month to stop incurring more charges over the overdraft limit. How would we now stand with the charges that are now going to be incurred as this is a considerable
reduction in the overdraft facility and there is no way that we can afford such payments as they now owe us over £3000 in charges. Please could anyone advise us?
To be honest - while claims are on hold awaiting the outcome of the OFT case etc.. the only thing I can think to do is get in touch with Financial Ombudsman Services and file a complaint with them as you have a dual aspect to this with the Charges and overdraft reduction etc..
Making sure you tell them the whole problem displaying it isn't just about Bank Charges etc..
You don't say in your post whether the reduced overdraft was a consequence of the reclaim of charges or due to your change of circumstances etc.. - so you will need to express this within your complaint. FOS are very busy at the moment but they'll be able to help with this I am sure.
Hopefully somebody else will come along with further advice.
Help with the abbey
has justreduced our overdraft
Reply With Quote
