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.
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a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Hi i am banking with the RBS and have 2 accounts with them namely a business account and a gold royalties savings..Over the past 9 months i noticed statements coming from a current account of which i had no knowledge! There were monthly charges and they were adding up and to cut a long story short in the end they sent me a letter saying i owed them almost £1500!! I had contacted them after the first few months telling them i didn't open such an account and all they did was to say they are investigating..but nothing was done and they kept sending me statements and eventually a final notice to pay outstanding money! After a few calls and letters they have now closed the account and refunded my money after using my other account to pay off this mystery one..cheeky b**tards!
When i tried to get the copy of any form i signed to open this account all i got was we cannot find it!! So they had no proof i had opened this account and gave in after causing me much stress in the process..
My question is..is there anything i can do to the bank to somehow punish them or make them payable for what they have put me through and for opening an account on my name wiithout my knowledge or consent?? I did't pay any money into this account or take any out either..
Its a reminder to everyone to always check their statements thoroughly as i wouldn't want any of you to go through such a headache to prove your innocence..
What does everyone advise me to do..should i write letters to FSA or who elae is there?
Unless you can demonstrate some actual loss or damages then i dont think have a claim on them.
Proof for example, would be a doctors letter or statment stating categorically the stress you suffered was down to this event and this event alone.
Not sure this is what you wanted to hear but i thinks it close to the mark.
Glenn
Kick the shAbbey Habit
Where were you? Next time please
Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless
Abbey 2nd claim, two Accs - claim issued 30-03-07 Barclaycard - Settled cheque received
Egg 2 accounts ID sent 29/07 Co-op Claim issued 30-03-07
GE Capital (Store Cards) ICO says theyve been naughty
MBNA - Settled in Full
GE Capital (1st National) Settled
Lombard Bank - SAR sent 16.02.07
MBNA are not your friends, they will settle but you need to make sure its on your terms -read here Glenn Vs MBNA
Let me see.... by returning the funds to you, they are admitting that the account
is not yours. Therefore, by sending you someone elses' statements they have contravened the Data Protection Act. By mixing up your account with another,
they have further breached the Data protection Act as it shows their records are not accurate.
On top of that they have removed money from your account without your permission and placed it in another account-theft? I am sure that they have also
harassed you and given you sleepless nights, worries, etc plus cost you time
chasing them to resolve things, post and telephone calls.
You can either write to them pointing out where they have gone wrong with a
request that they make up for the anguish etc etc they have caused, or you can
complain to the OFT, Trading Standards and the Ombudsman about their
behaviour.
Account opened without knowledge??
and have 2 accounts with them namely a business account and a gold royalties savings..Over the past 9 months i noticed statements coming from a current account of which i had no knowledge! There were monthly charges and they were adding up and to cut a long story short in the end they sent me a letter saying i owed them almost £1500!! I had contacted them after the first few months telling them i didn't open such an account and all they did was to say they are investigating..but nothing was done and they kept sending me statements and eventually a final notice to pay outstanding money! After a few calls and letters they have now closed the account and refunded my money after using my other account to pay off this mystery one..cheeky b**tards!
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