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.
Had an ongoing complaint with A&L as I've been overdrawn without an overdraft a few times these last few months, mainly due to their charges! I've been doing some overtime and even took out payday loans (6 months ago, I've still not repaid them), but finding it hard to catch up. Recently I asked them to stop a cheque so i could clear some charges, but they cancelled the wrong cheque. I didn't have the cheque number at the time but I told them that. They guesssed the cheque no and went ahead, then charged me again when it bounced. They don't accept any responsibility for it. Am in the process of complaining to them about that.
So now I'm £80 overdrawn, I get paid on 23rd, and they wrote me a letter saying that as I've not cleared my overdraft since October 14th (weird, I've been paid twice since then) and they are prepared to put my charges on hold until the test case is complete, they are closing my account with only 14 days notice!!
Can they do this? This is a bad time for it obviously, and because I'm on a debt management plan it's hard to get another bank account!
i don't know what to do. :cry:
Banofi
Lloyds *WON* £1469.82
NatWest *WON* £1177.00.
Morgan Stanley *WON* £112
Barclaycard *WON* £144
Nationwide LBA 22nd Sept 2006. Court claim filed for £5792.29 31st July 2007.
Lloyds Credit Card flatly refused to pay me on 11/12/2006.
Egg Credit Card. Small offer made (£24.00). 17/2/2007, refusal letter sent 18/2/2007.
Useful links: www.versiontracker.com/dyn/moreinfo/macosx/23608
A&L not closing my account now, I just spoke to them and they were actually almost nice... just got to sort out this business with the cheque charges now!
New year new start me thinks!
Banofi
Lloyds *WON* £1469.82
NatWest *WON* £1177.00.
Morgan Stanley *WON* £112
Barclaycard *WON* £144
Nationwide LBA 22nd Sept 2006. Court claim filed for £5792.29 31st July 2007.
Lloyds Credit Card flatly refused to pay me on 11/12/2006.
Egg Credit Card. Small offer made (£24.00). 17/2/2007, refusal letter sent 18/2/2007.
Useful links: www.versiontracker.com/dyn/moreinfo/macosx/23608
A&L closing my account? Help!
a few times these last few months, mainly due to their charges! I've been doing some overtime and even took out payday loans
Reply With Quote