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 got as far as I can with Barclaycard. After the first letter they credited my account with the difference between what they'd charged me and the £12 OFT threshold. I wrote back saying it was unacceptable etc. but they're digging their heals in. So I have to move forward, court or fos.
Like alot of others I find the thought of having to appear in court very, very daunting. But I have read, or maybe misread, that going through the FOS with credit card claims will only get you back the difference between what they charged & the £12. Is this right? Because if so then there's no point in approaching the FOS.
I had all my statements with the charges listed on them. I sent the first 14 day letter requesting a refund on 14th May. Had a reply on 24th May, pretty standard content & willing to refund difference. Wrote lba on 29th saying part refund was not acceptable, found out after that that they'd already credited my account. Had reply 4th June, position remains the same etc. Wrote again on 11th June , as a gesture of goodwill giving them a further 7 days to refund all & received reply 22nd June & their heals & dug in. Total charges £520 w/o int. credited £208 (unless they've taken it back!)
TIA
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_________________________ ___________ If I have helped in any way please click on the scales in the left corner also please remember that any advice I give is purely my own experience or opinion. Ta.
jane25 & Barclaycard
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