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.
I really dont think i can take anymore. Was just starting to believe that things were getting better and that with the kind offers people have given me the kids will have something to open on xmas day when I went to check my bank this morning to see what had been paid in, only to find that the moneyI get for shopping was gone and my account was overdrawn!. I phoned the bank and they told me that they would look into it but it will take 7-10 days. That is all very well apart from the fact that I have nothing in the house to eat,no nappies and other essentials that are needed with 4 kids. I have tried to get a loan off the social to see me through but they said no because we already owe them ., Can life get any worse??
The bank apparenty took it to cover a card transaction that went through without authorisation. I told them that I hadn't made any transactions of that amount and they just told me to write to the shop and dispute it!!
That is not right, you have informed them that the transaction is fraudulent therefore as far as I am aware they should recall the transaction, ring them again and aks what part of the fraudulent action they do not understand, if you only get a phone drone, ask to speak to a supervisor
PGH7447
Getting There Slowly
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Advice is given freely but is in no way meant to be taken as Gospel
I have spoke to the supervisor and was told that because they recieved a bill for the amount from the shop. I must had done it and thats as far as they are going with it. Its now upto the shop to refund me
The problem is that this is not going to get sorted out in time for you to do your shopping - whatever way it resolves.
Banks [EDIT] will take money from you at any opportunity and pay it back only after a hell of a struggle.
this is why that when you have regular payments out of your account which falls on a Monday - they go out on a friday. but if you had regular payments into your account which fall on a Monday THEY GO IN MONDAY
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thanks
[COLOR=red]Nat West Charges £1056 [B]WON[/B][/COLOR]
[COLOR=#ff0000]RBS Charges £3600 [B]WON[/B][/COLOR]
[COLOR=#ff0000]RBS Unenforceable Loan £18500 [B]Pending[/B][/COLOR]
[COLOR=#ff0000]RBS PPI on loan above [B]Pending[/B][/COLOR]
[COLOR=red]MBNA Credit Card [B]CCA & SAR Sent[/B][/COLOR]
[COLOR=#ff0000]Co-op Credit Card [B]CCA Sent[/B][/COLOR]
just a suggestion can u get a crisis loan as you have nothing now. Also if i was you i would get a post office card account and have ur benefits paid into there then transfer any money you need to pay direct debits and stuff into the bank account at least in the future you can control where your money goes and u would get ur food first, hope this helps.
Just had an updated balance sent via text and the money is back in there. Will have to ring them tomorrow and see what the hell went on. At least I can get some shopping. Thanks for the advice though.
Glad things appear to be sorted out.
See mich7k's suggestion in post #10. Either that or open a parachute account at another bank. That will give you back some control over your own money.
Have a look at this thread, regarding parachute accounts.
glad u got it sorted . The post office card account is just like when you had to go to the post office to cash ur book except its on a card. keep smiling
Halifax do a basic account which is run online, and they have a debit card with it, you can't overdraw on this account and you don't need identification. It's worth a try.
Its ok for those who reported it-its now moderated.Thanks for report.
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Sorry kids we are not eating this week :(
., Can life get any worse??
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hmmmmmm
. The post office card account is just like when you had to go to the post office to cash ur book except its on a card. keep smiling
