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.
5 months ago I switched bank accounts to Alliance & Leicester and have just received my only charge to date of £34 for a direct debit being returned.
I have successfully recovered charges from old bank account, but I have no idea about how to recover a single, lone charge.
The switchover between banks was particularly incompetently handled by A&L. They made a promise to switch all direct debits and payments within 3 weeks. 2 months later, my wages were all going to A&L but the direct debits were still coming out of an empty Natwest account accruing 17% overdraft interest.
In the end after 2 months of incompetence I took matters into my own hands and manually changed all the direct debits.
Is this a sufficient stick to beat them with in regard to returning the charge??
Otherwise I don't know how to formally appeal against one charge?
Hi Maximus. Why not take the simple route to begin with?
You could write or e-mail them to the effect that - due to the upheaval of changing banks and in the confusion of having to switch your dds between banks yourself, an error arose causing the recent application of a £34 charge to your account. Under the circumstances, and as you have now hopefully got all your banking needs settled and should therefore not be in a position to warrant such charges again would they use their discretion in this instance to refund the £34 charge on this occasion. Thanks in anticipation, etc.
It may be enough to do the job for you, sometimes the softly softly approach works better than getting stroppy - all they want then is to strop back!
Alliance & Leicester - new customer ...
being returned.
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