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.
A couple of weeks back I settled for £696 from a claim of £1100 or thereabouts.
Now, my bank have started refusing to pay d/d's which go slightly over the overdraft limit. They are charging me £38 per item and for some reason each time I am getting a card misuse charge for something which I switched a couple of days before. But looking back at my account, it cleared no problem before the charges went on....and still shows as such on my statement. i.e balance is not over limit even after the transaction has cleared.
I never had any problem with the bank paying these in the past, and this has only started since I settled with them for my bank charges claim.
Are they allowed to do this as a result of a claim, or will they just say that its down to other reasons, therefore able to get away with this?
I have a meeting at the bank today at 11, and plan to tell the guy exactly what I think!
We already have an account with the Bank of Scotland which we're not currently using, so it won't be a problem to move there - just a bit of a pain the the backside.
Am I still able to claim these back having already settled a claim with them?
You can, and should claim back any new charges, I would certainly move to another bank if only to save yourself the hassle, may be a pain to move but less of a pain than having your DD's returned and no doubt a second charge from the payee.
Just been to the bank, and they flat refused to refund any more charges, as I had already had a refund of previous charges.
Said they couldn't honour the d/d's because they have done so previously and are no longer willing to do this ... hmmm, nothing to do with me re-claiming my charges then
So, another claim it is then - here we go again!
I take it's safe to assume that they are going to ask for the current overdraft paid back if I do this? Did I read somewhere that they cannot do this while you are in disute with them?
Lol why did you accept only part of the amount originally?? Yeh go ahead and claim, they know they will pay up. They may ask for the O/D back but i haven't seen this and they do have to give you 30days notice. If it states in your T&C's that you must repay the overdraft when they close the account then yes you will but thats only if they do close it. I can't see them doing that tho.
Also, i would move banks.
My advice is only my opinion, I am not a legal expert.
IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.
** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **
see you stand like greyhounds in the slips,
Straining upon the start. The game's afoot:
Follow your spirit; and, upon this charge
Cry 'God for Harry! England and Saint George!'
If you think I have helped, informed, or amused you do the clickey scaley thing !!
Partial Refund - Bank Now Refusing D/D's!
limit. They are charging me £38 per item and for some reason each time I am getting a card misuse charge for something which I switched a couple of days before. But looking back at my account, it cleared no problem before the charges went on....and still shows as such on my statement. i.e balance is not over limit even after the transaction has cleared.
Reply With Quote
Re: Partial Refund - Bank Now Refusing D/D's!
If you think I have helped, informed, or amused you do the clickey scaley thing !! 