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.
'm fairly new on here and have been trying to take as much in as I can as regards banks mischarging, you will probably all laugh and call me a divvy but 'manual interventions' or 'manuals' as most seem to call them feature on the S.A.R.s request and I can't seem to find out what they are and what they will prove. Any explinations and mockery of my intelligence will be gladly accepted.
Most (well 99.999%) transactions on your a/c are automated, but the banks could justify their charges by saying that human intervention has been neccessary. The DPA asks for proof of this. To date, all banks have refused to confirm this ie there isn't any.
Do you mean that they can justify manual charges because they have to pay the wage of the manual operator as opposed to a computer generated charge that would obviously only cost minimal electrical usage??
Yes it costs pence to send an automated letter so to justify their chrages they would have to PROVE that someone had acted in response to you exceeding your overdraft limit. Seems all quiet on the western front up to now!!!
Thank you my friend, that was the last bit I wanted to know about before sending my S.A.R. Watch out First Direct and Yorkshire Bank, you are in my sights
Am I stupid because....
Reply With Quote
