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.
This makes me mad!!!!
After winning in November, the bank are still charging £38 for an unpaid item!!
I was of the understanding that the OFT regulated the charges and banks should not be charging more than £12 per item?
Is this right?
If so, should I contact the OFT and complain.
Also RBS take out any unpaid item charges on the day they are sent back unpaid, DUHH, if the item has been sent back unpaid, there is NO MONEY there to pay the charges either, oh but wait, that means they can charge us the next month for going overdrawn, and charge us any interest that has taken us overdrawn!!!
I had a HUGE fight with someone from RBS as it DOES NOT STATE IN THEIR terms and conditions 'when' they take the money out!
I have stated in under no circumstances are they allowed to take any of MY money from MY account without enough prior notice!!
Is this right also, if so I will soooooooooo be taking this further!!!!
The OFT ruling was not for banks it was for credit cards. A letter to the bank informing them that you will not accept any charges on your account is the next step. Please be aware that if you continue to incur charges they can close your account.
Thanks
I thought it was banks too? Never mind.
I have wrote to them informing them I will under no circumstances allow them to take money from my account without prior notice or knowledge.
Will wait and see what they come back and say!!!!
RBS
13/10 - Prelim sent, 19/10 - Sod Off letter recvd, 27/10 - partial offer received, 27/10 - rejection letter sent, 3/11 - SETTLED IN FULL
Cheltenham & Gloucester (ERC's)
21/11 - Prelim sent, 26/11 - sod off letter recved, 2/12 - LBA sent, 10/12 SETTLED IN FULL!!
Has anyone else had dealings with RBOS where they take money out without telling you, as it is NOT in their terms and conditions, therefore they are illegally taking money from us without our knowledge!!!!!
RBS
13/10 - Prelim sent, 19/10 - Sod Off letter recvd, 27/10 - partial offer received, 27/10 - rejection letter sent, 3/11 - SETTLED IN FULL
Cheltenham & Gloucester (ERC's)
21/11 - Prelim sent, 26/11 - sod off letter recved, 2/12 - LBA sent, 10/12 SETTLED IN FULL!!
Are They Still Allowed To Do This??
take out any unpaid item charges on the day they are sent back unpaid, DUHH, if the item has been sent back unpaid, there is NO MONEY there to pay the charges either, oh but wait, that means they can charge us the next month for going overdrawn, and charge us any interest
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