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 think this is in the right place, apologies if this is already covered somewhere!
As you will be aware, many companies, including Sky, Virgin, many utilitiy companies, and many others, charge you up to £5 per month for paying by means other than by direct debit.
All my posts are made without prejudice and may not be reused or reproduced without my express permission (or the permission of the forums owners)!
17/10/2006 Recieve claim against me from lloyds TSB for £312.82
18/10/06 S.A.R - (Subject Access Request) sent
03/02/07 Claim allocated to small claims. Hearing set for 15/05/07. Lloyds ordered to file statement setting out how they calculate their charges
15/05/07 Lloyds do not attend. Judgement ordered for £192 approx, £3 travel costs and removal of default notice
29/05/07 4pm Lloyds deadline for payment of CCJ expires. Warrant of execution ready to go
19/06/07 Letter from court stating Lloyds have made a cheque payment to court
BTDT. Shame you couldn't get BBC's Watchdog to trail it on their Wednesday programme. They clearly don't understand the problem as they talked about it being looked at by Ofcom when it more properly should be dealt with by the OFT.
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
i have also signed. Its appaling that the companies do this. I got my Bt bill, and they had charged me £7.50 for processing the payment, because i sent a cheque! Its daylight robbery.
Does anyone know of a list of companies that charge, and how much they charge, for non-payment by direct debit?
I would be very interested.
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Well, if it is a telecom company, there will be a charge. HOWEVER, be aware that a number of companies will ONLY accept payment by plastic and NO OTHER method, so it isn't just an issue on the additional cost levied for non DD, but the fact once they have your CC or DC number, their taking your money when they want, AND they can say they don't make additional charges.
I think this is in the right place, apologies if this is already covered somewhere!
As you will be aware, many companies, including Sky, Virgin, many utilitiy companies, and many others, charge you up to £5 per month for paying by means other than by direct debit.
Seems pointless - there were more supporters wanting to ensure the BBC wouldn't sell TV Centre, than cared about these non-DD charges. OFCOM seem to be the best hope at the moment - see their current Consultation on 'Additional Payments', you can still respond to this.
Actually, 02 is still technically a Spanish-owned wireless company. They have no wired infrastructure of their own, and simply rent from other carriers ('virtual' in effect). As for any benefit, I do recall someone complaining that their mobile phone bill had a non-DD penalty, so don't sign up for too long a contract....!
contract runs out in 8 weeks time and one thing I will be stipulating when I re-sign is that I had better not be charged for non DD and if they do start charging I can leave without penalty!