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 there,
I posted in the general section but I thought maybe it is more relevant here.
I made a credit card (RBS) payment through the phone a few days ago, and the stupid person took out a double payment frm my Halifax acct. I obviously didn't have enough in my bank acct for a double payment so I got charged by my bank (30 pounds). I wasn't aware of this and I thought I had enough for the next few days, so I used my debit card to pay for a small item. And well being overdrawn, I got charged another 30 pounds as I have insufficient amount to pay for my 'small item.
So I didn't realise abt these charges, but I make deposits into my acct every so often. But becuase I didn't realise the charges, I don't take them into acct and only deposit enough for me to use for week. And I got charged again! another 60 pounds are pending . I am now facing a total charge of 120pounds.
I'm digging such a big hole in my pocket just becuase of one charge leading to another. I'm only a student. I'm 'horror struck'. This all happened in a span of a week.
I called Halifax who said they were just following procedures and blamed RBS. I then called RBS who requested my the information to be put in in writing with supporting bank statements.
Will RBS cover the full 120pound charges? I have actually been into Halifax before I found this website and they have waivered one of the 30 pound charges which I agreed to, but it seems I shouldn't have since I started reading this website.. (although all this was verbally conducted).
I'm not sure what to do at this stage.. do I just follow procedures for prelim? It seems odd tho, as the charges were levied from Halifax, but the root cause is RBS..
a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
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Re: Rbs CC at fault??
i don't think this is a claim, as such, in the normal sense.
get the RBS to acknoledge they took two payments by mistake in writing.
then either mail that to Halifax, explaining what you want to happen.
or go in there.
it should sort itself out.
i've done simular to this, and all i did was got someone at one bank [the one that made the mistook] on my mobile phone and gave it to the cashier in my bank. they twiddle their thumbs , worked it out, and it was all sorted right then without me having to do anything.
ofcourse if they wont ack they made a mistake, then its small claims time, but i think not through this websites method.
my thoughts anyhow
dx100uk
GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
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my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
Rbs CC at fault??
) payment through the phone a few days ago, and the stupid person took out a double payment frm my Halifax
. I am now facing a total charge of 120pounds.
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