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.
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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Here is a letter which was written to the RBS with the help of the Consumer Action Group in 2011.
The letter was intended to remind RBS of their statutory obligations under BCOBS.
The RBS conceded the charges "as a gesture of goodwill " and also no entry was made on the customer's credit
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BCOB - Could BCOBS be the rules that nobody wants you to know about?
The Banking:Conduct of Business Regs make it illegal for your bank to treat you unfairly and give you the right to sue them in the county court if they do.
It may seem rather amazing that the regulatory process,
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My aunt has been off work for 3 months due to her employer not making adjustments for her. Her last fit note said that she may be able to retune to work
Well I'm in court tomorrow as HSBC have issued proceedings against me. I hadn't wanted to put anything up on the boards because of praying eyes. So just
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Connaught Collections - 1st Credit. Statutory Demand received - advice please.
Thread Starter: Rupert RigsbyHello - I'm hoping someone can direct me with the situation I find myself in.
Today, 17:43 by norm1ajA few days ago I received a Statutory Demand from Connaught