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.
The payday loan firms will say this is not possible, but it is - in accordance with Regulation 55 of The Payment Services Regulations 2009:
55.—(1) A payment transaction is to be regarded as having been authorised by the payer for the purposes of this Part only if the payer has given its
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Do you know
The Banking Code of Practice was abolished in 2009
The Code was replaced by the Banking:Conduct of Business Regulations (BCOB)
BCOB makes it unlawful for your bank to treat you unfairly
BCOB makes it unlawful for your bank to communicate with you in an unfair way
BCOB is legally binding
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Mike Dailly reveals the existence of largely unknown statutory rights which can be used by vulnerable debtors in difficulty - and explains how it is done.
It happens all too often.
You discuss your financial problems with your bank and they agree to accept instalments.
You start making the regular agreed payments and the bank accepts them. The arrangement continues for months or even years. You don't miss a single payment.
Then one
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"Irish Consumers who end up overdrawn on their bank accounts are being treated unfairly -- but regulators have no plans to fine the lenders."
This is the conclusion reached by the Irish Central Bank in an inspection of 300 current accounts in 5 banks - even though Irish bank charges are very
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The Banking:Conduct of Business Regulations (BCOBS) place a statutory duty on your bank to treat you fairly when conducting your retail current account business. BCOBS is hugely powerful because it gives you the right to take direct action in the courts to sue your bank if they treat you unfairly.
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Hi new boy here Confused new boy to be honest not sure this is the right place for this as it's not really about charges unless they have been [problem]ming
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Varde/Brachers have filed a claim with the county court
Thread Starter: SmoothoundHi new boy here
Confused new boy to be honest 
not sure this is the right place for this as it's not really about charges unless they have been [problem]ming
Today, 08:11 by car2403