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.
NatWest in their infinite wisdom have decided to give me 28 days notice that they will be closing my account. No reason is given for this, I haven't gone over the £3.8k overdraft limit at any time, nor have I bounced cheques or direct debits and the account is regularly serviced i.e all salary, tax credit and DLA payments go into the account, I've been with them for 4 and a half years.
Apart from sending them a formal letter of complaint requiring resolution or deadlock within 14 days, would it be worth claiming for all my out of pocket expenses involved with changing bank accounts (just opened a new account with Lloyds) namely phone call costs, a £25 admin fee that Black Horse want to charge just for amending a direct debit, and my time involved??
I did and their reply was "there is a reason but we can't give it to you as it's not the bank's policy to give commercial reasons". Nothing unusual showing on my credit file either, and definitely no CIFAS entries. IIRC Egg and Citi did this sort of thing a while back.
I wish Shatwest would close mine. I've been asking them for nearly 2 years, but because I won't pay their charges that they take out of my account every month, they won't shut it.
I think you should CLICK MY SCALES just for the name!
Should I claim for out of pocket expenses?
limit at any time, nor have I bounced cheques or direct debits and the account is regularly serviced i.e all salary, tax credit and DLA payments go into the account, I've been with them for 4 and a half years.
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I think you should CLICK MY SCALES just for the name!