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.
I successfully claimed £685 from first direct a while ago, but due to some recent financial difficulty, I wasn't paid because I'd been of work poorly for about 6 weeks.
A couple of direct debits bounced and I was hit with charges for £105 all in all.
I sent them a new letter claiming them back, and they have refunded me but told me that they are closing my account due to "breach of trust" and saying it's "untenable" etc etc.
I don't want to stop banking with them. They are the best bank out there in my opinion and there's also the small matter that they would want my £700 overdraft back in one go.
They have said that my account will close on 7th December.
Can they do this legally and what can I do to make them change their minds?!
They are not likely to back down as you have breached their trust. Apply for an Alliance & Leicester account online today, you will get a decision almost immediately and you will probably get a £750 overdraft or close to. Martin Lewis (money saving expert) deems this bank to be the best on the market.
Thanks ever so much for the advice, Jo. I smentioned it to my Mother, who has an account with A&L and she recommended them too, so Martin is in good company!
I have applied online but can't access my hotmail at work, so have an agonising wait to check on my home PC!
I'm pretty disappointed with fd, as i have always liked them, and the charges were due to sickness and me not receiving a pay packet this month. For the first time in 3 years with fd, I felt like they were of no help whatsoever. They have always gone to great lengths to help me before.
I am going through the reclaim process with FD but i opened a back up bank account before i began the reclaim, just in case they decided to close me down!
Also, if you are succesful with A & L and you fill the form out in your A & L welcome pack to say your mum referred you, you both get £50.00 paid into your account, that could take a chip of your overdraft.
Urgent help required
back in one go.
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Originally Posted by Joanna Cole
