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.
This forum has been excellent as I was unaware I could do anything until I saw a news report a few weeks ago!!
My story is the same as everyone else. I have been charges over £2000 in the last 12 months for unpaid direct debits and exceeding my overdraft limit. I wrote off the initial complaint to may branch via the 1st stage request, got a reply saying that usual "our charges are transparent.....we will not be refunding". I sent off the 2nd stage letter which they would have received on Tuesday.
The other complaint I made to them was that in January I phoned asking for a £500 increase in my overdraft beacuse all my DD's were being rejected and that was declined, since then they have charged me £780 in charges!!
My only differance is that I have never received a single letter informing me that an item was unpaid and that they will be deducting the £38 fee and only see the charges being applied when I receive my statement, ie after the fact!! Is this common or is it just me?
I only ever received one letter a few years to tell me that I had gone overdrawn and that they would not be sending me anymore letters. But hey were still prepared to charge me £30!
Its only policy to send a letter for the 1st instance. Any other charges you won't get any notice of (apart from paid referal fees and account maintenance fees which are detailed on your statement before they are deducted) See my thread in "a word from banks" about how the bank charges are worked out / applied.
RBOS - at 2nd letter stage
limit. I wrote off the initial complaint to may branch via the 1st stage request, got a reply saying that usual "our charges are transparent.....we will not be refunding". I sent off the 2nd stage letter which they would have received on Tuesday.
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