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 have a question I applied for A & L account in an effort to save some money in regards to over draft charges i was going encurr by new Halifax charging strcture.
Applied on line was excepted for account but not over draft, but their website said they could match over draft with their matching/switching service they just need to see last month statements. Statements taken in to local branch who then faxed them though to wrong number I was later told. Few weeks went by had all details sent to me including new debit card and normal account info and the standing orders/direct debits they were going transfer to account. But no details about over draft so i rang them to be told they are very busy which i understood, the switching team said they still had not recieved statements. Explained about taking to branch they then chased these for me. I explained at time I couldn't switch account with out the over draft being matched, Later that they rang me and sorry we can't match over draft so I say I'll have to close that account then and remain with my current bank. Note date 23rd Nov yesterday recieve we are closing your account letter as to be expected. Today I recieve a letter I quote
Dear Mr XXXXXX
Account No. XXXXXXXXXX
We are please to confirm that we have set your arranged over draft limit of £1500.00 on your account. Which is what i wanted!!!
Then goes on to explain charges for this, note no cost for 12 months therefore saving me money.
I ring them to day and get told you have shut account to which i say only because of what i was told by switching team on 23rd Nov, so I am then transfered to switching team who then explain to me letter is a mistake.
Where do I stand with this do I have a claim for compensation?
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A & L switching problems
charging strcture.
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