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.
This is a tricky one so i'll try and cut it short....
About a year ago, I was employed at RBS. I left after 3 months, and received a small payment the month following my leaving for pay I was owed. One month later, I received a letter from RBS stating that I had been overpaid by £300.00 and this would be deducted from my Natwest payroll account a week later (Note - working for RBS means you have to have a RBS group payroll bank account)
After telephoning RBS and instructing them I could not afford this, and asking the make a reasnoble payment arrangement, they flat out refused. I then withdrew all monies from the account and placed a complete bar on transactions. Low and behold! The bank withdrew the money anyway! (taking £300.00 from an account with a £0.00 balance!)
I telephoned RBS and got passed from HR, to Payroll, to my old line manager and back again. I have received no evidence of overpayment, and advised RBS that under no circumstances would I repay any of this money without evidence.
About a month ago, I received a default notice on this account which has racked up £400.00 (plus the original £300.00) in default fees and interest. I approached my NatWest bank manager and asked him to intervene, although sympathetic he was unable to help at all.
I then sent a formal letter of complaint to Natwest advising I was placing my account in dispute, to which they replied it was nothing to do with them as my complaint was with RBS!
I have just sent a notice before action advising all monies must be refunded within 14 days - my position is -
1 . How can RBS make an order to deduct money from a NatWest bank account (which is a distinct and seperate legal entity)
2. Why had RBS retained my bank details 2 months after I left?
3. How can NatWest authorise a transaction from RBS which takes £300.00 from an account with £0 balance, AFTER I placed a bar on all transactions?
4. RBS and NatWest have refused all attempts at a mutual resolution!
What are your thoughts guy? Would love to hear any advice.....
On a personal note, i can't believe it is legal for an employer to control your BANK ACCOUNT as well! surely this gives the employer too much power? I understand this is the base with all Bank employees these days,
Re: RBS - Incurred bank Charges after working there!
The banks do as they please. With Natwest being part of RBS, RBS are able to recover monies from within the group as a whole. The banks will always take money from the consumer when its to line their own coffers, that includes taking you overdrawn.
RBS - Incurred bank Charges after working there!
. I left after 3 months, and received a small payment the month following my leaving for pay I was owed. One month later, I received a letter from RBS stating that I had been overpaid
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