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 am currently at aq stage with Barclays so feel that one is going pretty well now and hopefully not too far off.
Would like some advice from experienced RBS customers/sufferers please.
We opened an account with them just over a year ago when we had finally had enough of Barclays. It has gone great for a year with no charges and good local branch service from the staff.
On the run up to Christmas and New Year we had one or two days where our closing balance was over our limit and have suffered £126 of charges in a month. This is as normal, difficult to overcome and at a bad time of the year.
I approached the branch by phone a couple of times and the last time was told that if I went in to have an account overview in which we could discuss perhaps taking out a loan 'to help us out' they would then discuss the charges.
There is no way that we need a loan as our o/d is small and my credit card will not exist after barclays pay out which I explained. I also said that if it weren't for the charges we wouldn't be struggling now!! I was annoyed how the conversation went but I did only speak to one member of 'keen' staff.
My question is when I write a letter as I have no intention of letting this go should I just write a letter to local branch politely requesting my money back. If so, should I tell them that I am in the process of claiming charges from another bank but do not wish to persue this path with them at present and hope we can sort it out easily or just send a prelim letter which sounds a bit mad for such a small amount.
Laineybelle v RBS
stage with Barclays
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