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.
6 years ago when i was 16, i opened a R21 account (like a poor student account) when i was in college. never really used it for 2 years, till i got a job for a few months, paid into it, quit, left 10p in the account and that was that.
i started a new account with RBS before i went to university, and thats the account ive been using since.
since then, 4 years have past, and i have moved house. all my relevant post that i need comes straight to my new address, ive been here a year. i went hom this weekend to see my family, and my mum past me my post which is usually rubbish, that doesnt come to my new address. in there was a final notice dated the end of august, asking me to pay off a debt of around £360, oweing on the account i opened 6 years ago and never really used.
it turns out, the bank had upgraded the account, to one which requires a £6 a month fee. as i never recieved notification, i didnt give them any kind of permission to do this. this account was always there 'just in case' i needed it, but i never really checked it. anyway, £6 fee takes me £5.90 into the red, and then we have £30+£4 of fees and charges per month that 'im not aware' this is going on... hence the £360 debt on the account.
im not really sure what to do. i dont want to just pay up, but the hassle of claiming the money back would stress me out for too long. i have had different advice, such as to make an appointment with a branch manager. the debt collections bit of RBS are meant to be getting a more extensive history of the account, and sending a copy to my new address.
i just want this sorted out as fast as possible.
im also worried (as the final notice warns they can close my 'accounts') that the account i use daily will be closed, and i'll be left with no money at all.
Firstly, I would make an appointment to see them. Ask them for a full statement from the date of 1st going overdrawn then ask them to provide you with the signed agreement where you "were upgraded".
They are entirely in the wrong here and, to get it sorted out quickly, you might be better just going into the bank. If they are unhelpful or refuse to cancel this immediately, then its the usual procedure, I'm afraid (ie SAR, Prelim, lba etc)
That said, you would think that they will sort this out with just a little common sense.
Hope this helps.
J
1/9/06 RBS claim #1
8/11/06 - claim settled
17/11 claim #2 started - incl creditcard
30/11 - CC statements received
31/11 - Prelims issued - RBS paying up, only M/C to go)
If any of my advice/ info has been helpful, please click the scales
Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional
Rob-RBS and debt
ago when i was 16, i opened a R21 account (like a poor student account) when i was in college. never really used it for 2 years, till i got a job for a few months, paid into it, quit, left 10p in the account and that was that.
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