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 have 3 claims to make, 2 of which are against the RBS for and behalf of my son and daughter. My daughter has an agreed £400 overdraft limit and went over tht by 5p. She promptly received a charge of £28.00.
The thing is that she is already paying interest for the privelage of having an overdraft and thats OK with me but I strongly resent the £28.00 charge and have written a letter to the bank using the basic legal premises of unlawful penalty etc.
My question is this;
Can the bank legally charge the £28.00 ?? or is this deemed as unfair which is what I put in the letter? ie Disproportiante charges etc.............???
They have since tried to discuss this over the phone but I advised her not to get into any discussions, either pay up or give an answer in writing.
RBS _Bank Penalty Charges
for and behalf of my son and daughter. My daughter has an agreed £400 overdraft
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