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.
Further to my other RBS thread. I had one £28 charge applied to my account on 4th September for going a few quid overdrawn overnight. So sent an email to customer relations on 5th September. Now posted an lba to Group Litigation today so hopefully I can get it refunded pretty easily!!
14/09/2006 - Data Protection Act letter sent to my bank.............here goes
28/09/2006 - Statements received through the post. Charges appear to be in the region of £2000
04/10/2006 - Prelim letter sent for charges of £2037
Received a letter in today confirming refund of £28. Letter has the usual tosh in it and then this...
"If you continue to challenge the bank's charging policy in relatio to your account, it will be clear that you do not accept th eterm san dconditions laid down for its opertion and do not accept the requirements to ensure funds are available in your account to meet your commitments. In such circumstances, you will have mad eit clear that you do not agree to the bank's applicable publishe dtariff when you exceed your overdraft limit without prior arrangement. We will therefore be left with no alternative but conclud eyou do not accept the Bank's terms and conditions and that th ebank's relationship with you as a customer has irretrievably broken down. You should, in that instance look to make alternative banking arrangements. We hope this course of action will not be necessay."
Aww they sound upset. Is there any legislation etc. I can quote when I write back to them on this matter?
gargoil v RBS for 1 charge
thread. I had one £28 charge applied to my account on 4th September for going a few quid overdrawn overnight. So sent an email to customer relations on 5th September. Now posted an lba
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