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
NW11 7PE



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  1. #1
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    Default Unauthorised Overdraft with Clydesdale (compulsive gambler)

    Hi,

    Last year a friend of mine, whilst in the midst of an online Gambling binge, manged to run up a debt with Clydesdale of £5300. This was done in the one night and it was in the form of an unauthorised overdrafticon.

    Now my friend wasn't checking his balance during this binge; he was just transferring cash from his bank account into his casino account. The amount he gambled meant that one minute he was up thousands and next he was down thousands. It never crossed his mind that clydesdale would allow him to take this amount.

    Time has elapsed and he has sought help for his problem but in the meantime he has been issued with a citition from the sherrif court. He is in no position to pay the debt, but, in any case, is he liable for it??


  2. #2
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    Default Re: Unauthorised Overdraft with Clydesdale (compulsive gambler)

    The simple answer is yes he is liable, I think you probably suspected that would be the case, have the bank started recovery proceedings.

    andy

    Advice is based on my personal opinion, and what I have learnt from this forum.
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  3. #3
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    Default Re: Unauthorised Overdraft with Clydesdale (compulsive gambler)

    Thanks for confirming that for us. Yes, they have started recovery proceedings him. He has a small flat with very little equity and a cue of creditors wanting their money. Clydesdale are the first to take court action against him. It looks like there is no way out for him.

    Thanks again.


  4. #4
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    Default Re: Unauthorised Overdraft with Clydesdale (compulsive gambler)

    Could he not go bankrupt??


  5. #5
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    Default Re: Unauthorised Overdraft with Clydesdale (compulsive gambler)

    Bk should always be a very very very very last option,

    Idax

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