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.
Hi don't know if anyone has had a similar problem but my business partner is owed thousands by Natwest. Unfortunately we do our business banking with them. We tried to open an alternative account prior to proceeding with court action to reclaim the dosh but we've been turned down due to some unfavourable data on my partner's Credit File - so we're stuck with the option of either taking them to court for the money they owe us and losing our banking facilities or putting up and shutting up!
Has anyone had a similar experience? Any advice would be welcomed...
Well we're both Natwest fodder; we have both a joint business and a personal account each so if we take them to court and win we will need to open alternative accounts as I'm told they tend to shut down the accounts of those people who have the temerity to ask for their money back after it has been wrongly taken from them!!!
We approached the Co-op as we are members of the FSB and they offer free business banking to FSB members. Unfortunately, we have been plagued by late payers and this has given us some financial problems so these are showing up on our credit files as adverse reports and they have declined our application. Also Natwest, we have often missed the deadline to get funds into the account in time for the dd's to go through (it has to be in the working day before as you probably know). Recently we paid in funds on the day the dd's were due out and they all bounced costing us a wopping £152 in charges - it makes me so mad I could spit! This probably hasn't helped our application either.
We have calculated the charges they have taken and sent them the two letters demanding repayment (which they have obviously refused to do) and we are now poised to take them to court but can't because we know that they will shut down our accounts when they're forced to pay up.
Any ideas as to how we can get around this will be gratefully received.
Unable to open alternative account
. Unfortunately we do our business banking with them. We tried to open an alternative account prior to proceeding with court action to reclaim the dosh but we've been turned down due to some unfavourable data on my partner's Credit File - so we're stuck with the option of either taking them to court for the money they owe us and losing our banking facilities or putting up and shutting up!
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