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.
Got a letter from RBS today informing me that I have to pay £63.00 on 23rd September 2009, which they are calling a Paid Referral Fee.
I don't have an overdraft so basically they have treated this as an informal request for an overdraft as I only had roughly £10 in my account and a charge came out which was £45, so they are charging me £28 for the maintenance charge and £35 for a guaranteed card payment fee, whatever the bloody hell that is! They say they charge £30 for each day on which a paid referral occurs
I'm not sure what the best thing is to do, are there any letters I can send? I've had a look around but can't seem to see any. This is the first time this has happened and I would rather communicate with them by letter however I will phone them if need be. I knew I should have stuck with my key account, bloody rats, will be going back to it after this!
Well that's the thing they haven't actually taken the money out, not until September 23rd. I'd like to avoid it being taken out in the first place. I shall try and find another letter as that one doesn't really work for me, thank you though
Maintenance Charge
today informing me that I have to pay £63.00 on 23rd September 2009, which they are calling a Paid Referral Fee.
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