bank account shut no warning

freda11

Not sure I will ask her, can a garnishee order only be placed if it's a ccj?

richybabe

freada11
I read your story and was amazed at the similarities with our own experiences. I had a business account with NW. The Business failed. The Account was overdrawn slightly. NW wrote being nasty; I replied twice with a repayment offer; no replies from NW. They then said that they would take away all banking facilities on 1st August 2011 (meaning our personal accounts too); However they closed both personal accounts and transferred both personal current accounts to Recovey on 11th June 2011 without any warning at all. NOTE that the o/d old business account was NOT transferred to recovery. We were suddenly left without access to money (note:both personal accounts were well in credit); deleted from internet banking and all DD and SO's were cancelled. NW advisors on the phone were rude and off hand to us; "guilty" already according to them!!!
We were on holiday at the time and the 11th June was a Saturday so we could do nothing except take cash from credit cards and buy food etc etc on credit. We had money in another business account with another bank, but no CURRENT accounts to transfer the money into so that we could use the money. Our phones were ringing off the hook for payments from cancelled DDs and SOs.
To cut a very long story short NW have upheld my complaint; given un-reserved written aplogies and both personal accounts have been restored to use; internet banking restored and compensation offered. But all this has taken 7 weeks to acheive with financial chaos to both of us in the meantime. We really don't want to bank with them anymore, have now made other arrangements,and I want to take them to the cleaners for all the hassle, late payment fees, loss of dignity, embarassment, maxed out credit cards, experian adverse comments etc, cancellation of holiday, etc etc.
Any ideas ? I can use the ombudsman but as they have admitted their guilt and appologised whats the best route?

freda11

I'm so sorry to hear that you had similar trouble with them, what a nightmare! thats the reason I am writing on here and not my friend, as you can imagine they are distraught, they were not even overdrawn. No warning, nothing, now dd are being returned and money being charged, they don't even have another bank account, although hopefully they will by later today or tomorrow. How can banks be able to get away with this?? If I was you I would write to the financial ombudsman and enclose all letterfs from NW, they have obviously cocked up and should not be allowed to get away with it! Somebody else with more nounce on here will be along shortly with better advice. Good luck and keep us posted!

izools

freda11 wrote: »

Not sure I will ask her, can a garnishee order only be placed if it's a ccj?

A garnishee order is made in a county court.

Ergo, a garnishee order is a (form of) CCJ

freda11

izools, have checked and defo no ccj, she has entered into an agreement with them paying so much for 6 months and then they will review it, she had to fill in and income and expenditure which she did.

freda11

thanks izools.

what do you think of this ..................
http://www.thebankerspanker.com/stephen-hester

Azrael_1701

freda11 wrote: »

thanks izools.

what do you think of this ..................
http://www.thebankerspanker.com/stephen-hester

That website is only there to harvest contact information.

freda11

so it's a scam?

Azrael_1701

freda11 wrote: »

so it's a scam?

Indeed....

Andyjs_3

izools wrote: »

A garnishee order is made in a county court.

Ergo, a garnishee order is a (form of) CCJ

To be correct, a garnishee order is one means of enforcing a CCJ - it is not the same thing. The CCJ is basically an order by the court to pay the amount the court decides (i.e. the judgment debt). Also this amount may or may not be the same as the claimant is claiming.

If then you do not pay the debt to the satisfaction of the court, the claimant (creditor) then has to apply to the court to ask for the judgment to be enforced.

Besides garnishee there are other means of enforcing a debt, for example attachment of earnings. However the CCJ has to come first before any enforcement action which may subsequently be necessary.