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.
I moved to the RBS from the BOS last year and must admit I thought I had appalling service from BoS but RBS are so much worse.
I put a letter of claim against RBS (I had successfully reclaimed charges from BoS) and within two weeks they sent me a a good will gesture of refunding all the charges! which I immediately accepted and returned, the money was still not in my account 5 days after my acceptance letter was sent. Phoning the bank they advised me that it could take up to 14 days for the money to be credited to my account. In the meantime they managed to charge me a further £144 for unauthorised overdrafts, this doesn;t include the additional £30 account maintenance charge! So I wrote to them requesting a refund of the £144 becuase it was there fault that they were sitting on the money. so far I've heard nothing - anyone think its worth pursuing this further? the maintenance charge this month has put me in the red again so I've been given additional charges.
on a similar line, my brother in law was transferring money into my account from his RBS account - this is supposed to take place immediately but has taken three days - this was done on-line, however on the same day two cheques went into my account which would have easily been covered by the money being transferred but they have charged me £70.
Of course you can keep claiming each time the bank puts unlawful charges on your account. Its only when you try and split claims that there's a problem.
Eventually RBofS may even get it through their thick heads not to apply charges on your account.........well maybe not.
claiming again!
from the BOS
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