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.
We have an interest paying account with RBS and back in feb/march the account became overdrawn due to numerous charges so they called me and put an overdraft limit on the account on the basis I pay back £100 every month but in March Id been made redundant and could not pay the first 100 so they upped the overdraft limit with me paying back 203 a month. Anyway on May 25th I paid in to the overdraft account £100 and the overdraft was dropped but they have now put it back up and are letting me use the account as normal with no phone calls etc so Im assuming they are letting me keep the overdraft and letting me use the account as normal as Its now within its limit. But today I have received a letter from them telling me that my account as reached a level which is unnacceptable (unarranged borrowing) this could be because a cheque had come off on tuesday of last week but later that day Id transferred the funds in. Now they are detailing in the letter that i return all cards and cheque books. Are they being serious???? I just dont get it! If thats the case they can shuff there accounts. (I have 5 accounts with them)
Will they try taking money from my other accounts in order to stop me taking any of my money????
Anyone?? Since my last post the account is still active and im still using it putting money in and out
They can and will take money from other accounts to offset a debt on another.....I would move the money from your other accounts as fast as you can to another bank.................RBS will use every tactic they can .....they need money quick and will do all possible to collect by legal means or "illegal" means................if they do it illegally .....you will then have to prove they have done it illegally which is of course court action.... which again costs money....RBS bank on the fact you will not have the means to take them to court.....and will carry on abusing their position.......I KNOW!!
Advice Regarding Overdraft With RBS
and back in feb/march the account became overdrawn due to numerous charges so they called me and put an overdraft
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Originally Posted by weescotschick
