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.
Hi guys. I'm needing a little help with regards to bank charges. My wife miscalculated our finances the other day and used her visa debit card to pay for goods which meant we were overdrawn on our overdraft. She used the card twice one to the amount of £1.41, and then again for £4.24........meaning she had went over our agreed overdraft by £5.65. We have now had a letter from the bank informing us that they plan to make charges totalling £98.00...........it breaks down like this.......£35 for each of the times she used the card, and £28 for an unauthorised overdraft fee. Is there anything we can do to avoid having to pay these ridiculous fees? How can they justify such costs all for the sake of £5.65?
If anyone has any advice we'd appreciate the help. The account is with halifax Bank of Scotland.
RESULT!
Just had a telephone conversation with the bank and they have agreed to cancel the charges on the account. I was a bit surprised as I was expecting a whole lot of grief.
In need of help with bank charges
. She used the card twice one to the amount of £1.41, and then again for £4.24........meaning she had went over our agreed overdraft by £5.65. We have now had a letter from the bank informing us that they plan to make charges totalling £98.00...........it breaks down like this.......£35 for each of the times she used the card, and £28 for an unauthorised overdraft fee. Is there anything we can do to avoid having to pay these ridiculous fees? How can they justify such costs all for the sake of £5.65?
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