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 successfully claimed back lots of lovely money back in December. I opened a new account with Smile and transferred all my DD's and SO's in January. All companies have recieved and acknowledged my change of bank details and I can see their name in my list on my smile account. All that is apart from good old First Direct! I still have a loan with them and a joint account with which my rent & bills are paid from (will be changing that sgortly too!).
They took money from my FD sole account to pay the DD to my joint account on 01/02. There was none in there so went into my overdraft. They then tried to take my loan repayment on 01/02. There wasn't enough overdraft available so on they issued me with a Default Notice on 01/02. No telephone call, just a letter arriving on my mat yesterday.
I rang today telling them about the change of bank account and explaining that they knew of the changes to my payments and bank details. The woman I spoke to said there was nothing she could do and thatr it 'probably' would'nt matter anyway and would register as a '1' on my credit rating.
I believe this is unreasonable as I informed them of the changes to be made and they have completely disregarded them - and now I am to pay. I am a first time buyer looking for a mortgage and this will count against me won't it?
Is there anything I can do?????
Default Notice - Advice needed please!
. They then tried to take my loan repayment on 01/02. There wasn't enough overdraft available so on they issued me with a Default Notice on 01/02. No telephone call
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