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 have a current account with a £500 overdraft. I wasn't really using the account and it was approx £500 overdrawn when I entered a dmp. I have never received any demand to repay the overdraft. The bank continued to charge me interest on the overdraft for the first 15 months or so, and I could still withdraw cash (which due to hardship I was forced to do).
They have now stopped charging interest, I am unable to withdraw cash (a good thing), and are entering late payments with the CRAs. I am concerned that I'm going to get a default as they now show me as four months behind.
Can anyone advise what I should do? As I have said, I have received no demand for payment from the bank, nothing to say I am behind with payments, and I have not received any correspondence relating to the withdrawal of the overdraft. If the bank does enter a default then it will set me back a further 3 years with regards to a clean credit file.
Help!!! The "agreement" signed at account opening...
overdraft help
. I wasn't really using the account and it was approx £500 overdrawn when I entered a dmp
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