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.
Does anyone have a template letter I can file off to the RBS. We were £14.00 over our overdraft limit which was our fault. I credited the money the next day. The RBS then charged £38.00 for having gone over our overdraft limit then because of the two charging periods they charged another £38.00 because we were still over. I asked them would they kindly pay a direct debit for us as it would cause us further problems if the direct debit would not be paid. They kindly did so but charged us another £30.00 referral charge. We are now £106.00 over our overdraft which we cannot afford to pay. They have informed us that another £28.00 is due to be debited at the end of the month. All this in the space of two months. I just want to send them a letter asking kindly for a refund especially before the end of the month when our direct debits are due to go out.
RBS Bank Charges
. We were £14.00 over our overdraft
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