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.
My story so far: I recently swapped banks from First Direct to A&L for the high interest savings account (you need an A&L current a/c to get the full 10% savings). Unfortunately my payroll send my wages to the old a/c, meaning the DDS and SOs I'd moved bounced as they took me over my overdraught limit. Despite me phoning A&L and explaining, I got hit with over £300 in charges. My first letter went out a few weeks ago. I've recieved the standard "We're looking into it" and "Sorry you're disappointed but sod off" letters, so I'm about to send off the final warning letter and check out MCOL.... wish me luck.
Very best of luck to you. I thought they were supposed to take care of things like moving s/o etc when you change a/c anyway-typical!!!
Keep us posted
Carly
Lloyds TSB credit card-Judgement by default filed 8/06/07
Virgin credit card-£120 claimed Settled in full Business barclaycard-£200 claimed Settled in full Business a/c-£961.31 claimed Settled in full NatWest personal a/c-£3010.28 claimed Settled in full Abbey business a/c-£2390.96 Settled in full
Halifax personal a/c-£497 claimed Settled in full
HSBC credit card-£175.65 claimed Settled in full
Co-op credit card-£150 claimed Settled in full
NatWest business a/c-£250.00 claimed Settled in full
Halifax personal a/c2-£336 claimed Settled in full
Lloyds Business a/c-£1027 claimed Settled in full
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
To be fair to A&L, it was the company handling my payroll that screwed up in the first place putting my wages in my old a/c. A&L had moved all my payments over, but all the payments coming at the start of the month made the account go overdrawn, so the bank bounced them all back and charged me £34 a time to do it. This was despite me phoning the bank to explain the situation and shifting my money as quickly as I could (the guy on the phone mumbled stuff about chaps payments or cash, But there wasn't much I could do on a Friday night, which is when I first discovered the mistake and phoned, with the 1st of the month being the next day). Not the best way to start a relationship, is it?
aeowolf vs A&L
savings account (you need an A&L current a/c to get the full 10% savings). Unfortunately my payroll send my wages to the old a/c, meaning the DDS and SOs I'd moved bounced as they took me over my overdraught limit. Despite me phoning A&L and explaining, I got hit with over £300 in charges. My first letter went out a few weeks ago. I've recieved the standard "We're looking into it" and "Sorry you're disappointed but sod off" letters, so I'm about to send off the final warning letter and check out MCOL.... wish me luck.
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Re: aeowolf vs A&L
