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.
In November, I cancelled a standing order from my bank account with HBOS, but they SO didn't cancel on their system, and I was charged for not having sufficient money in my account for it to be completed (I needed £900). I was out of the country at the time, and I then utilised internet banking to cancel the standing order, the same problem occured. This has now happened on quite a few occassions, and has resulted in my account being in arrears by £200 +.
I am currently following the steps to claim back my fees as detailed on this site, however, I have suffered a "knock on" effect of this with my credit card.
I have an Egg Visa Card, and was paying a set fee into it each month from the same account, but due to excessive bank charges, I have gone over the limit on the visa card, and have since recieved a letter from Egg saying I must pay back the money immediately, as well as legal fees that have arrisen.
In my opinion, the bank are at fault for this, as had they simply cancelled the standing order as I asked, then I would have been able to pay money onto my egg card, and as a result, would not have gone over the limit.
Can anyone confirm this and perhaps offer me some advice?
Credit Card Problem - help required
, but they SO didn't cancel on their system, and I was charged for not having sufficient money in my account for it to be completed (I needed £900). I was out of the country at the time, and I then utilised internet banking to cancel the standing order, the same problem occured. This has now happened on quite a few occassions, and has resulted in my account being in arrears by £200 +.
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