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'm going to start taking action against Barclays and barclaycard in the next few weeks. I'm a bit nervous they'd try and close the account (once i win, see the optimism! ) so i was going to open an Abbey current account as a "safe" account.
But reading this forum has got me wondering - haven't the banks changed their terms and conditions for new accounts, with something like "by joining up with us, you can't sue us over charges" ? I can't see the banks not protecting themselves somehow, especially if there are so many people taking action against them?
Doesn't matter if they did put that in the T&C's - that would be an unfair term so you could still sue them.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
This is one of the reasons they get away with it - as all banks charge similar amounts, people don't realise the fees are unlawful.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
Are there any banks which are reasonable and not charging extortionate amounts?
No - the only real difference is the degree and speed of extortion
Originally Posted by secretsquirrel
I want to set up a safety account to escape from A&L but only want to go to a good bank rather than the usual shafting buggers?
Just ********************! [MODERATED: Obscene comment removed by barracad]
Originally Posted by secretsquirrel
Any recommendations of banks who don't shaft you as often as possible?
I've heard that Co-op are better than most, and Natwest Step is good if you have a poor rating - it depends on your circumstances. I was refused by two banks flat before getting a normal account with a third. I'll just have to be more careful with this one...
Jeep (The Wife & I)
Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06
Halifax joint a/c new charges £1100 - LBA sent 02/08/06
Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)
Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far
Halifax Visa (#2) Data Protection Act sent - refunded £170 DONATE - Support this site, it supported you! Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet All advice given in good faith and without prejudice or liability, to be taken at your own risk!
Opening new account for safety
and barclaycard in the next few weeks. I'm a bit nervous they'd try and close the account (once i win, see the optimism!
) so i was going to open an Abbey
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Originally Posted by secretsquirrel
