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've looked around and I cant see any info about this.
Driving home from work yesterday listening to Money Box on BBC Radio 2 and hear that a case actually got to court that the bank forgot to turn up to.
However, the judge decided to hear the case and ruled that the charges are not penalties but are charges for a service and as such can charge what they like.
Needless to say Im gutted as this could seriously hinder my case in August
Besides.... the fact that banks have cash machines retain cashcards, they threaten to cloe accounts (and even possibly the negative credit score impact) all indicate that the banks do consider exceeding overdraft limits to be going outside the operating terms of accounts.
Bank staff have previously admitted to me that the charges are to stop people carrying out such actions...
All in all the judgement is "iffy" - a letter threatening to shut the account or proof of withdrawl of services due to "breach of terms" would probably have sufficed
Judge rules in favour of Bank!
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