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.
With everyone and their dog now fighting back against the banks and receiving notice of closure of accounts, the next logical step would be fighting against this retaliatory action. I've written to A&L and recieved a letter back from Moira Murphy, manager of customer services. In this she states: "The decision to withdraw banking facilities has been taken in line with certain aspects of the terms & conditions refer to section 10, specifically 10.2"
As my account was overdrawn at the time of closure, they require immediate clearance of the amount to finalise the closure. I've not got a problem with repaying any monies due, however as they chose to close the account, I would prefer to offer them a repayment schedule instead of a one off payment. I will take this to the fos within six months. They do, of course, threaten adverse info on credit file etc.
As the fight was against unlawful bank charges, what about action against unlawful closure of accounts?
They can close your account but A&L have already been fined for this retaliation which is due to bank claimants, you could and should pursue the same route, if they get more complaints they will be dealt with more severely the next time.
If you can afford to pay off the outstanding monies, zander, why not do it? It's preferable to risking damage to your credit history, which adverse comments placed on your credit files will do.
Yeah, I'm just frustrated with the despots treating us like human garbage due to their illegal actions. Just as a matter of interest, what action can the banks take in recovering the overdraft?
Yeah, I'm just frustrated with the despots treating us like human garbage due to their illegal actions. Just as a matter of interest, what action can the banks take in recovering the overdraft?
Can't comment on what banks do as (thankfully!) I've never been in this situation, but I have seen mention on the forum of cases being handed to debt collectors.
p.s. zander, the banks actions are not illegal, they are unlawful. This is a very important distinction.
I reclaimed £938:00 from Alliance & Leicester in December last year and received a letter recently that they intend to close my account by the 4th march 2007. If they do pursue this course of action I will be making a complaint to the fos as the charges applied to my account were disproportionate and illegal in the first place. With the FOS making the recent ruling against A & L the precedent has now been set and I agree with Bigmac - the more customers that complain the more the banks will stop and consider their bullying and retaliatory actions agianst the little man. 8-)
I'm not i've left the account open. I transferred everything to a parachute account when I was going through the claim just haven't got around to closing it down totally yet however if they do close it down it becomes a matter of principle then.
7. Thinking of a Full & Final Settlement?Read Here
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
Action against account closures?
within six months. They do, of course, threaten adverse info on credit file etc.
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Originally Posted by zander
