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.
Can someone please tell me what to do, I have a Nat West Corporate Credit card and have noticed items on my bill that I have not made. I telephoned the corporate billing and have been on hold for 30 mins. I have been told to pay the money and then they will refund me later. Is this correct, What will happen if I refuse to pay. How can I deal with any marks on my credit score and am I still ok to object this when the items in question date back to July 06.
10.2 If you do not recognise a card transaction which appears on your statement, we will give you more details if you ask us. In some cases, we will need you to give us confirmation or evidence that you have not authorised a transaction.
This is designed to cover all circumstances when a customer may query a card transaction whether a single debit or credit card transaction, an ATM transaction, or a recurring transaction.
Where a customer claims an unauthorised transaction, subscribers should tell them what evidence will be needed. Each subscriber should determine what it needs to prove a claim, but audit trails, systems checks, ATM cameras, copy letters and the sending of cards by registered post or courier could all be considered. 10.3 If we confirm a transaction is unauthorised, any interest charged will be refunded, unless you have acted fraudulently or without reasonable care (see under sections 12.5 and 12.11).
If the subscriber agrees that a transaction has genuinely not been authorised by the customer, then any interest that may have been charged on the transaction will be refunded. Interest will not be refunded if the customer has acted fraudulently or without reasonable care.
Would you be prepared to say what sort of purchases were made, and if they were authorised by PIN?
Credit Card - Fradulant charges
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