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.
Sorry if this subject has been addressed before. Couldn't find it anywhere. If it has, perhaps someone would be kind enough to post a link.
I'm a self-employed courier with a rapidly deteriorating bike. I work under contract for one company and my money is paid into my bank weekly (mandatory). Running costs escalate all the time as you can imagine. I have to have access to funds to keep the old heap on the road. The point is, the most recent spate of charges I've incurred will almost swallow up next weeks' money leaving me with none to cover the above. I'm in the processs of opening a basic account with another bank but until then my money will automatically go into the existing one so next week and the following week's money will yet again go towards paying Natwest directors' golf club fees.
What I would like to know is, if this renders me unable to work and earn money, would I be able to claim for loss of earnings and any other inconvenience resulting directly from unlawful charges? Or even, maybe?? If I cannot pay my tax on time purely because of these charges, can I make them liable for any fines and overdue charges the IR might impose? If anyone out there has any experience it would be useful to know so I can compose aletter to the lovely people at Natwest informing them of the likelihood of court action to recover several weeks' money and anything else I can think of.
Have you discussed the situation with your bank? If not, then the answer to:
What I would like to know is, if this renders me unable to work and earn money, would I be able to claim for loss of earnings and any other inconvenience resulting directly from unlawful charges?
...would be an EMPHATIC no. If the bank is unaware of your situation, then there is no way that they could be held liable for anything resulting from that situation.
This is not to suggest that them knowing would make them liable, but they might be slightly more helpful if they knew the areas that you needed help with. My first suggestion would be to speak to them ASAP, to outline the difficulties you are in, and to see if they can cut you a little slack.
Good luck, and keep us posted.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Thanks for the reply. I've already tried talking to them (branch and customer services). The overall impression I got was:- not our problem. Tough luck. However, I will give it another shot tomorrow.
Have you got another bank account, one that you could use instead? If so, it may be worth having your wages paid into this instead. There are many threads discussing the merits of different parachute accounts - just do a search on 'parachute'
Good luck.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
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Advice given is purely my opinion, and is not based on any legal training.
I've alreday started the ball rolling and given them notice to that effect so it may be a litle too late to start appealing to their 'better nature' any case
Self-employed - unable to work
directors' golf club fees.
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