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 was given an immediate failed bill charge of £34 for an unexpected dd while on holiday. This charge put me over my overdraft limit but as I was unaware I didn't put money into my account to cover it until over a week later. I was then charged 2 x £25 and got a status code 2 on my credit report. This was directly because of their original failed bill payment charge. I mentioned this previously in reply to someone else's thread but thought it was called a default and didn't want to hijack someone else's thread...........
Bank fodder replied but I'm unsure what to do.
Should I just write them the standard letter first and ask them to put a notice in my credit report or send them an N1 form. And if i send them the N1 form what do I say?
thanks
Jeanette
Re: failed bill charge and credit report status code
Have you written anything yet in respect of the charges imposed?
If not, then follow the proceedure as shown in the FAQ section - once you have receipt of a list of all charges made, and at that point the bank will have effectively confirmed they have no evidence of manual intervention, then you start the process of reclaiming...
The template letters also cover removal of incorrectly placed records on your credit file. You can just alter the wording (shown in red on the template) to avoid the use of the word 'default'. I presume that Status Code 2 is effectively a late payment notification?? Change the text to something like this.....
Additionally you have entered a "Late Payment" mark against my credit record. This contractual breach occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account.
In addition to full payment of the sum mentioned above I require that you remove this entry from the register. Please note that mere correction or amendment to the entry will not be acceptable.
Does that make sense?
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
failed bill charge and credit report status code
. This charge put me over my overdraft
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