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.
Hey everyone - I'm at my wit's end here and really could use some advice.
For the first time, I overdrew my account by £15, inccuring the £35 guarantee payment fee, and the £10 maintence fee. Through a rang of other events and direct debits taken out, I was charged more guarantee payments and a refused direct-debit fee all of which adds up to over £140. My overdraft limit was meant to be increased a month ago, but they never did it and never contacted me until I went to the bank myself. I have had appalling customer service (one girl refused to talk about it and sent me to a teller who knew nothing, at another branch they said call telebanking, the telebank people said its a branch issue, the main branch in Glasgow said that I had a £10 fee removed in the past and they will not remove any other fees, etc).
The manager said the £35 is a legit one and nothing can be done. Is this true?!
I don't know what else I can do, I have no money and would not be over my limit if they refunded those stupid fees, £140 is a ridiculous sum for overdrawing your account by a few pounds. What is the next step in dealing with the Royal Bunch of Sharks?!
If its your first time you are allowed £35 refund, The bank will only allow this amount. I know as i was the same, and went to my bank today i was £1.56 overdrawn and they put £75.00 charges. But because they took £75.00 out for charges they've put me £1.35 overdrawn again so will incounter more charges next month.
The only thing i can surgest is write a hardship letter, which you can find a template letter on here and sent it to there main office telling them your case.
Help! Multiple £35 guarantee fees?!
limit was meant to be increased a month ago, but they never did it and never contacted me until I went to the bank myself. I have had appalling customer service (one girl refused to talk about it and sent me to a teller who knew nothing, at another branch they said call telebanking, the telebank people said its a branch issue, the main branch in Glasgow said that I had a £10 fee removed in the past and they will not remove any other fees, etc).
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