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.
In December a D/D caused my account to go overdrawn by a huge £0.93 Since then RBS have charged me £28 for the initial £0.93 and another £28 due to the previous charge making my account overdrawn again, at the end of the month I'll be charged again as the latest charge put me over (none stop cycle)
I've contacted RBS and hoped to get a refund due to being on job seekers benefit. When you're living on next to nothing and having the bank take £56 it makes the situation near impossible. I went down the hardship route only to have the call center say they can't do anything. I spoke to the floor manager who placed a note on the system and asked me to visit the branch (they couldn't help either)
Is there anyway I could get these charges back and stop all future charges related to the £0.93 and if so does anyone have any advice?
Never had charges refunded before so i would just contact my branch manager. What would i need to put in the letter?? Would i just put that i was charged £60 for being overdrawn and that i'd like a refund?
Open another bank account with a different bank. Have your funds deposited into this new account and then you can tell the RBS what to do with their rip-off charges.
What they are charging you equates to thousands of percentage points more than any loan shark or pay day loan company would charge. But the authorities in there wisdom will not curb them.
Since the test case where the fos lost in his attempt to set the rate that they can charge, they have upped the fees ten fold thinking they now have carte blanche to charge whatever they want.
Trading Standards wants your help
Dubious website businesses Conterfeit alcohol and cigarettes Illegal sales of alcohol, tobacco, knives & fireworks to children Cowboy builders or tradesmen Car clockers Counterfeiters Aggressive selling
Never phone or accept phonecalls from debt collection companies.
If you don't believe you can win, there is no point in getting out of bed.
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RBS bank charge
Since then RBS
have charged me £28 for the initial £0.93 and another £28 due to the previous charge making my account overdrawn again, at the end of the month I'll be charged again as the latest charge put me over (none stop cycle)
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