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 was made unemployed end of May 2009. At that time I was within my overdraft limit of £100. It was £99.98. A charge of £5.00 was taken out for being overdrawn the previous month by the Alliance and Leicester.
That then took me over my overdraft limit. Then at the end of that month they charged me I had jobseekers allowance paid in for £128.60. At the same time they took out EXCEEDING OVERDRAFT LIMIT FEE £100. Plus £1.00 for overdraft usage fee. Thus leaving me nothing to live on.
They have since then taken out another £100 plus £1. They are due to do this again at the end of this month.
The account will then be £324.00 overdrawn and of course accumalate more overdrawn fees.
I am still on jobseekers allowance at the moment, but have managed to get that sent out as a GIRO.
I have never been in this mess before until being made unemployed. I have no family to help me get it within its limit and am struggling at the moment.
I have applied for 900 jobs currently and had two interviews. (normal job is Metallurgist/Process Engineer) I am willing to work anywhere just difficult getting work at the moment.
How on earth can I sort this mess out with my overdraft?
You will need to start the process of reclaiming your charges back, before you do this have a read of the links i have given you.
If the bank are taking charges from benefits you can send the letter. right of appropriation.Also you can apply for the charges to be returned by claiming hardship. right of appropriation
Overdraft
limit of £100. It was £99.98. A charge of £5.00 was taken out for being overdrawn the previous month by the Alliance and Leicester.
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