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 this is all new to me,so i may need some help alony the way.
i have joint current account with the alliance & leicster[edit] .
i had my acount for over 20 years,i can not open a2nd acount get an overdrafed but in the last week alone i have been charged £99.00 for two missed debt payments.
I have three young sons one of which as dyspraxia and my wife cant work as she because of medical problems,so with one wage and no help we are in a rut,So its time to firght back
Can you not open a new account at a different bank ? leave the overdraft where it is. If you just get a basic account you'll have your money to spend on what YOU chose not what the bank decides on.
If you can get your letters of to get your statements back (DPA link below) you can then tell the bank the account is in dispute and offer to pay them back an amount each month if its stuck in overdraft.
Have your pay paid in elsewhere and start fresh.
Best place to start read is alliance and leicester as happy has pasted for you, and the FAQS (link below)
Lots of people will help you, and theres many folks in a very similar position to you.
have just spoken to a&l about more charges agian and asked why i had a letter or statements back only to be tolded they had not had any request for statments.have proof of deliver they have not draw onthe cheque i send them saying the acount was other draw on the 22/2/07 yet £3.000 was paid in on the 21/02/07 what do i do now
In that letter are spaces for you to put the estimated amounts, There is a timescale that the bank has to stick too. If they ask for more time say no and then take your case to court. The easiest way for an amount below £5000 is via mcol; Her Majesty's Courts Service
Have moved your posts here and started a thread for you.
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
olivejoseph
Reply With Quote
Re: olivejoseph
