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.
A few years ago I got into problems with a loan I have with RBS.
I had phoned the bank, around summer 2005, to swap the DD to IF from the RBS account, and duly gave them my IF account details so they could move the DD from RBS account to IF. I assumed it was coming from IF, and went on a holiday for 4 weeks.
On my return, it transpired that the load DD could only ever come out of the RBS account (it was in the small print) and that i was now 2 months in arrears. I sorted it out, as the money was sitting in the IF account.
Then this time last year, a slight misdemeanor meant that I went about 50p over my OD limit, and I got charged £28. This caused the loan DD to fail for said loan, and the cycle started again. I repayed the arrears no bother, but now, because of this, I had red blobs all over my credit report, and my score now is pretty rubbish. The same type of thing also happened last month, and I duly rectified the situation.
And the reason for all this is because they refuse to move the DD to my IF account.
The question is, is there a way to get this rectified, since the cause of all this was due to the bank and their unlawful charges.
Well firstly, I would think that if they took your account details back in 2005 and made out they were changing your direct debit over, if they then didn't change it but didn't inform you then it is their mistake and you have justifcation IMO to request for these blobs to be removed. Definitely so if they didn't inform you at the time - they should never have taken the details from you!
If the second lot were due to your bank charges, well I guess you have reason to sort that out too - I guess the account you are referring to is RBS 1 or 2 and therefore you have reclaimed those charges?
I don't really know how you would tackle this but it sounds like you have a point here - just my opinion though.
I think you need some MOD advice!!
Also just to check, there are so many abbreviations flying round I can never keep up with them. By IF you do just mean Intelligent Finance yeah?
If my post has been useful, tip my scales and let me know
That's right, Intelligent Finance. Best bank I've ever had IMO, never had any charges.
Also, when i got into trouble, I kept an audit trail of every conversation I had with RBS debt recovery team. They obviously don't have any records of the conversation i had with the RBS monkey who said they'd change my DD, causing all this hassle in the first place. It didn't suprise me, and from that day, i always got the name of the person I was speaking to when i phoned RBS.
I will go to a mod though.
RBS Account 1: Won
RBS Account 2: Won
Capital One: Won
Capital One (Wifes Card): Won
RBS Account 2, round 2: Won
RBS PPI: Won
Improving your credit rating
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