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 im trying to help out my son he did not have much to do with banks till last year he had an a/l account from when he was at school he had £35 in it for a few years and last year when he went to withdraw it they closed the account so he had to open an other one to get his own money back. anyway he was working at the time and they gave him an overdraft of £300 interest free for a year ( i didnt know ) he lost his job and went £1 49 over and every month they took £50 of his benefits so he took his benefits out and he owed £500 ( i found out ) so his dad paid the £200 and asked if that was it clear no more charges and they said yes then he got charged an other £50 i phoned and they said they work a month behind and that it would be a £100 to clear the account so i paid it and the following month they charged him £5 for no money going into his account and £50 for going over his overdraft dont know how much he ended up owing they closed the account but we are being harrased with phone calls for him i have been in touch with the Ombudsman and i have to wait 8 weeks before i get back to them is this enough or do i need to do something else sorry its so long just wanted to give all the details
got a letter on friday from the A/L for my son they say that £586 has been applied to his account in respect of unauthorised overdrawing,paid item and unpaid transaction fees. Whilst I am confident that we have acted correctly in accordence with our charging policy and banking regulations, in a genuine attempt to bring this matter to an amicable conclusion, and a gesture of goodwill,I am prepared to refund the remaining fees in full totalling £586, which I hope will be acceptable to you. The balance on your account today is £520.38 overdrawn. This will be cleared and a cheque sent to you for £65.62 Please sign the enclosed copy letter to confirm your acceptence of this offer and return it to me upon receipt I will credit your account immediately. The problem is my sons account was closed by them and does not have any bank account to cash a cheque could someone please advise me on this also I know this sounds stupid but we do not have any dealings with banks and I do not want to sign this and be wrong to do so if he signs this is that the account clear even his original £300 overdraft. Sorry it so long didnt want to miss anything out
Does anyone have a bank account he could get the cheque made payable to??
If the account is closed, I would be happy to accept their offer because you will have no need to claim anything further from them as you won't have any future charges (because it's closed).
If you need the cheque made payable to someone else, just send them a simple letter saying you accpet settlement but require the cheuqe to be made payable to whoever.
One thing I would check. You say your son's account is closed, do they have the figure of £520.38 correct? Just doubte check it before accepting the cheque for 65.62.
If my post has been useful, tip my scales and let me know
Yes its about right but what I need to know before I accept this, the charges totalling £586 applied to the account in respect of unauthorised overdrawing, the balance on my account today is £520.38 you see this is were it confuses me are the taken off just the charges leaving the original authorised overdraft or does this mean that is the end of it. I know this may sound stupid but I want everything to be right and my son be clear of this debt for good
"The balance on your account today is £520.38 overdrawn"
That implies that once the £520.38 is paid into the account, the account will be at £0.
If you would rather, write them a letter telling them that you want the cheque written out to someone else, that you want the £520.38 paid into your son's account to clear his overdraft and also that once that has been done you require confirmation that the account has now been closed and that he owes nothing more to them.
Say you accept their offer providing they fulfill your request....
If my post has been useful, tip my scales and let me know
thanks t4ff the Ombudsman asked for me to send it to them which I did today told them I would be happy to except this offer unless they advised me not to
Hi All
The F.O.S returned my offer to my son as it was not a Full and final offer,anyway I checked his statements and it was correct, he only had a few days left to accept so he did that was on the 16/5/07 sent recorded delivery, had not heard anything so sent another r/d on the 4/6/07 asking for the £65 62 by cheque made out to me.
Have also sent 2 e mails but dont know if they were correct as I have read all the threads in this forum and the e mails I found have a full stop between there name.
Should I wait a bit longer or do I get back in touch with the F.O.S. or someone else.
Please help I know its not a lot of money but it is to him.
help for my son
of £300 interest free for a year ( i didnt know ) he lost his job and went £1 49 over and every month they took £50 of his benefits so he took his benefits out and he owed £500 ( i found out ) so his dad paid the £200 and asked if that was it clear no more charges and they said yes then he got charged an other £50 i phoned and they said they work a month behind and that it would be a £100 to clear the account so i paid it and the following month they charged him £5 for no money going into his account and £50 for going over his overdraft dont know how much he ended up owing they closed the account but we are being harrased with phone calls
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