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.
Hi
Went down the fos route, got a rubbish offer from bank, rejected it, FOS said they would go back to them (together with evidence why). Anyway, the Test case scenario happened and I gave up all hope thinking it would be stayed until further notice.
Saturday morning, letter from FOS, saying bank has revised offer and Im getting the whole lot back, over £5,000!!!
How and why this happened when I though everything is on ice is anyones guess...but obviously over the moon
Well.........Ive just spoken to fos, it was a normal flexaccount of mine. However, apparantley I rejected the offer before test case announcment and teh chap said that some cases went through anyway to be investigated and mine was one of them!
So a few slipped through........does not seem to be any real reason as to why, other than luck. I hope some of you guys are included in this batch as well!!!
Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.
Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.
GE Money - Received settlement of £441, being total charges requested. No interest though.
CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!
EOS Solutions "ceased action on account" on behalf of a friend.
All in all, quite busy at the moment and enjoying every minute of it
Well done Andrew i was kinda worried for you when i remembered you had rejected their offer and the test case was announced. Took an extra couple o months but well worth it eh?!
Enjoy spending it mate
Regards
My first ever nosey in the Nationwide forum to be greated with such great news. Im really pleased for you.
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I Wish you everything you wish yourself.
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NatWest Claimed £1,639. Accepted £1,344.
Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.
Barclays 1 Claimed £1,260. Won by default. Paid in full
Barclays 2 Claimed £2,378. Won by default. Paid in full
Birmingham Midshires. Claimed £2,122. Accepted £2,075.
not sure wether to get excited? seems i've gone a totally different route to most? have i gone horribly wrong? i contacted the Financial Ombudsman on the recommendation of StudioCards of all people after a call from their debt dept for £65 i owe them. i explained i've been in and out of hospital and until a few weeks ago (surgury) was on class B painkillers and mostly 'away with the fairys' nice lady gave me the number i called the Ombudsman who took all my details and has sent a letter to Nationwide because ALL the income into my account is benifits (income support, Carers, child benifit and my sons DLA), the Ombudsman STATED that Nationwide is NOT allowed to take means tested state benifits money to pay UNLAWFULL bank charges has anyone else had experience of this?
not sure wether to get excited? seems i've gone a totally different route to most? have i gone horribly wrong? i contacted the Financial Ombudsman on the recommendation of StudioCards of all people after a call from their debt dept for £65 i owe them. i explained i've been in and out of hospital and until a few weeks ago (surgury) was on class B painkillers and mostly 'away with the fairys' nice lady gave me the number i called the Ombudsman who took all my details and has sent a letter to Nationwide because ALL the income into my account is benifits (income support, Carers, child benifit and my sons DLA), the Ombudsman STATED that Nationwide is NOT allowed to take means tested state benifits money to pay UNLAWFULL bank charges has anyone else had experience of this?
Oh my god is this true?
The fact is all my income is benefits of one kind or another due to serious spinal injuries following a criminal attack and the fact that I am a single parent.The Nationwide owes me about two thousand pounds and that is without compensation for unlawful use of my money.
Perhaps there is some hope then? What should I do?
Hi David and welcome to CAG. You need to start a thread of your own that way you will get more help and advice. If you are not sure how to do this have a read here
Ive Won!!!! - but how?
route, got a rubbish offer from bank, rejected it, FOS said they would go back to them (together with evidence why). Anyway, the Test case scenario happened and I gave up all hope thinking it would be stayed until further notice.
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Re: Ive Won!!!! - but how?
Re: Ive Won!!!! - but how?
Originally Posted by trollstar
