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.
My OH had a step account with Natwest for a couple of years or so, which barr a few small incidents was kept running smoothly and was marked as satisfactory on his credit report.
In aprox July last year he had a falling out with them, in that they changed the way charges are debited to the account. We had received no notification of this, although they were insistant that we had.
Due to being very unhappy about the way this was dealt with OH decided to close the account. To cut a very long story short this "step account" is now marked as a default on credit file and Natwest/Allied are chasing him for over £1300. To our knowledge ALL of this £1300 is made up of charges.
It appears that direct debits were not cancelled and the account was not closed and Natwest have just continued to add charges, despite that fact that even if they had not received our letters it would be blatantly obvious that the account was no longer in use. Surely the account should have been flagged up for review before it got to £1300 overdrawn.
Where do we start trying to sort this out. I think that there is probably £2500+ worth of charges in total on this account but to be honest we are not really that bothered about past charges but would like to see if we can get the balance reduced to zero and the default removed.
£1300 charges on a step account
for a couple of years or so, which barr a few small incidents was kept running smoothly and was marked as satisfactory on his credit report.
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