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 recently did the letter asking for the unlawful charge to be refunded (approx £450 inc. interest). I noticed approximately £150 had been refunded to my account soon after and a letter to follow saying after a review by the financial Ombudsman of bank charges, that this was the amount they should give back as they can charge up to £10 or so.
I take it I can proceed to the court stage to reclaim the rest?
I to was suprised by the deposit in my account when i went online yesterday. They have refunded the difference between £20 and £12.
I was more please dwith their speedy response I only sent off my letter requesting my charges + interest on 20th June and by the 25th June they had credited my account.
Royal Mail tracker still haven't updated their records so i could check whether my letter had been delived - but whoa! the deposit prooves it WAS delivered. Por Royal Mail..... They are inundated However on the discovery of the surprise I prepared a letter before action and sent it off today. Got in from work today and there was the 'Sorry letter' about how 'sorry' they were. Mmmmmmm!
Press on. Lots of people are STILL very Timid to take the 1st step.
It would not have gone through SO QUICKLY if it was not illegal in the first place.
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). I noticed approximately £150 had been refunded to my account soon after and a letter to follow saying after a review by the financial Ombudsman
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However on the discovery of the surprise I prepared a 