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.
As it is they have actually charged £100, this is because there wasnt sufficent money in the account to pay one of the previous charges.
Having phoned them to find out why, they reduced my wife to tears.
Because there was a note on thier screen intimating we would be taking further action I was given the terms and conditons and threats of account closure.
We have already opened another account, but the A&L account has £5.16p in credit until the 23/12/06 when further charges of £50 will be added, making the account £44.84 in debit.
I guess that this will incur further charges!
I have asked them to close the account (it is in credit(at the moment) but I think they wont be doing this.
(no further payments are being made into this account or withdrawls)