Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
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  1. 19th January 2009 21:07 #1
    skintette skintette is offline
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    Default bank delaying BACS payment then making charges

    Has anyone else experienced this? Sorry if thats a naive question but I haven't eyt made my way round the whole site. I checked online that my pay had gone in to my A & L current account on the due date the other month (it usually regsiters soon after midnight & should then count as real money in your account). As it had been paid I went online again in the morning & ordered all my xmas presents online as I had funds to cover it.
    It took me a while to happen to notice, checking that month's charges again, that AFTER I had made online payments hours after my pay went in, the bank had rejigged the order of payments that day, putting my BACS payment last & therefore charging me for going over my overdrafticon. I checked some more, and have also found examples of the bank charging for going over my overdraft limit to pay a direct debiticon which WOULDNT have taken me over that limit. e.g. debit for £80, £100 left in overdraft, but £25 charge made BEFORE debit is logged, meaning I go over limit! Has anyone esle experenced this? For me the BACS thing is tantamount to fraud as they consciously changed the order of events & I'm considering taken legal action. Any thoughts gratefully received. (To give you a context I'm a single working parent overwhelmed with debts & getting hit so hard by A & L every month I didn't even notice these cheats for a while.
    Thanks, Morag

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  2. 24th January 2009 11:42 #2
    Sparklez30 Sparklez30 is online now
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    Default Re: bank delaying BACS payment then making charges

    Something similar happened to me in that i transferred money from my linked savings account then went to the shops and drew the money out and they reversed the order although one might ask how I could draw money that isn't there? they also added charges and as I already have a complaint about bank charges active at the moment I just added it to the list. Although I have to say since then this has not happened again so I don't know if its random they do this or if its cause I've complained that they have stopped?

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  3. 27th January 2009 14:54 #3
    Mrs_Ryan Mrs_Ryan is offline
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    Default Re: bank delaying BACS payment then making charges

    They did it to me as well.... put a late payment marker on my credit file because they reversed the arrangement of the transactions, despite it had been done in that order since i opened the account and when I questioned why they had randomly decided to do it that month they said 'Because we can.'
    Needless to say fosicon ordered them to remove. Its totally random it seems... never had any problems since and they've never attempted to charge me either...

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    MY SUCCESSES -

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  4. 27th January 2009 23:51 #4
    kopstar1965 kopstar1965 is offline
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    Default Re: bank delaying BACS payment then making charges

    Banks will always post debits against an account before credits, it's an internal (revenue raising) policy it has happened on my accounts, but we have never been charged due to debits taking us overdrawn on the day a salary was posted, cannot understand how this is justified?

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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE