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 applied for an early bond closure on 12/13 May 2009 but the money has not been transferred to my Natwest account which I have stated on the bond closure form.
This application was done through the Cambridge Abbey Branch and my original bond certificate was sent with the form, and a photocopy of it was given to me.
Suspecting something amiss, I went to the Cambridge branch to enquire about my bond closure. They said that the bond has indeed been closed and they sent a note to one of the divisions of the bank to look into this matter and that the money should be with me in about 5 working days.
I waited, and when the money was still missing, so I went to the bank again. The same response was given (e-mail sent, wait for 5 working days) but at the end of the wait, the money wasn't there. This happened 3 times.
I asked to see the manager but they refused, completely disregarding my request while trying to figure out the problem, which they have obviously failed.
Today, I went to an Abbey branch in London and the same thing happened.
So far, I have been very patient and fair to the bank but patience has its limits. The officers told me that they would call me to update my on this matter I have not received a single phone call.
I feel cheated and even suffered financial losses due to the bank's incompetence and I will not hesitate to sue the bank for damages if I do not see any progress in this case. I shall wait for another 5 working days before I submit legal documentation.
For your reference my bond account number is XXXXXXXX'
As a consumer, what can I do? I'm really frustrated with the bank, as they seem to make empty promises all the time. My bank accounts are running low and my life has been a mess because the money hasn't arrived on time as they had promised. Please I'm really in need of advice.
Go into the bank and ask for their complaints guide. There should be a number for customer relations. Give them a call, explain your frustration(and check your Natwest account in case they sent a cheque and it has been paid into the account). Explain a little compo for time and inconvenience. They have to investigate it so do not expect and immediate response but they will certainly give you a response.
Early Bond Closure, but no money
, which I sent today:
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