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 had quite a bit of trouble with my bank in the last couple of years. I opened up a student account alongside my current account when I was at Uni.
I never really used my student account because my Uni loans always went into my Current account. However when I went over my current account overdraft limit of £1000 the bank decided to ask for all the money back and if I couldn't pay it they would turn it into a loan.
The bank obviously knew that as a student on a minimal wage I couldn’t grab £1000 to pay them back and thought they’d take advantage of the situation. It took allot of wrangling and a couple of meetings with my bank manager to get Lloyds to drop the loan repayment and switch the funds/debt into my student account meaning I was in an overdraft but not over my over draught limit.
Has anyone had any similar experiences?
I’ve asked Lloyds TSB for all my charges. It accumulates to over £400. I’ve made an excel spreadsheet of the charges I believe are due to be paid back and downloaded the letter to be sent.
Where does the letter have to be a addressed to for making a claim for Lloyds?
Bill VS. Lloyds TSB
limit of £1000 the bank decided to ask for all the money back and if I couldn't pay it they would turn it into a loan.
Reply With Quote
