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 had/have an account with these people.i decided to go back to my old bank.
didnt cancel a direct debit,but there was a little money left in the account,albeit not enough to cover.it put me £1.02 overdrawn.as i was no longer using this account,i never checked on it, until i got a statement saying that i was now £100 overdrawn.they are charging me £5 per day.ive just checked on line,and i am now £187 overdrawn.
is this right or are they taking the p***s out of me.can i try to claim this back or not
reply i got this morning. we acknowledge receipt of your complaint about charges for unauthorised overdrafts.we beleive that your complaint concerns the level,fairness or lawfulness of the charges. although we believe the charges are fair,transparent and lawful,a number of current account providers have now become involved in legal proceedings with the office of fair trading in relation to charges for unauthorised overdrafts.we believe this test case will resolve the legal issues regarding the fairness and legality of your charges. alliance & leicester is not one of the banks and building societies in the test case.however,this is an issue where customers,as well as the financial service industry as a whole,would welcome legal clarity. it would be our normal approach to resolve your complaint through our internal complaints process as quickly as possible.however,until the determination of the legal issues in the above proceedings,we have asked FSA to suspend the normal timetable for dealing with complaints about charges,the FSA have agreed to this request. in view of this court case we have asked both fos and the courts not to proceed with any other case they are hearing until the case is resolved.FOS has indicated that as a general proposition it will indeed not proceed with cases which rely on the egal issues being considered in the test case.similarly,you should be aware that if you choose to issue a claim in the county courts,we intend to apply to the court for an order to stay your action until resolution of the legal proceedings with the OFT. rest of letter just says,they wil look at my complaint when the verdict is published.
it doesnt say,its going to stop charging me daily.so its just going to go up all the time.
were do i go now.do i make the spreadsheet out and start charging them daily or what?
MBNA.claiming back £3219.08 LBA stage expired.offered £1190.PAID OUT!!!!!!!!!!!!!!!!!!
Lloyds.claiming back £1025. LBA stage expired.accepted offer of £750.SETTLED
CAP 1.claiming £839. offered £216. LBA stage expired
can you get an overdraft as a temporary fix until this is sorted out. not ideal as they shift all blame to the account holder now, but will stop it escalating
im going to pay the £300,just to stop it going up anymore.to claim it back,do i start charging them £5 per day like they are doing with me,or do i do it another way
Is There Anyone Out There That Can Give Me Some Advice On Which Way To Charge These Muppets.
I Have Written To Them To Say,if Your Waiting For The Result Of The Test Case,can I Take It That Youre Not Going To Put Anymore Charges On Me.
They Cant Even Be Bothered To Reply Back
MBNA.claiming back £3219.08 LBA stage expired.offered £1190.PAID OUT!!!!!!!!!!!!!!!!!!
Lloyds.claiming back £1025. LBA stage expired.accepted offer of £750.SETTLED
CAP 1.claiming £839. offered £216. LBA stage expired
Seems Like All The Advice Has Stopped!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!
MBNA.claiming back £3219.08 LBA stage expired.offered £1190.PAID OUT!!!!!!!!!!!!!!!!!!
Lloyds.claiming back £1025. LBA stage expired.accepted offer of £750.SETTLED
CAP 1.claiming £839. offered £216. LBA stage expired
I Would Just Like To Know How To Claim My Money Back.as They Were Charging Me £5.00 Per Day,do I Charge Them The Same.if I Do,it Works Out At 125 Days(since The First Charge)at £5.00 Per Day.that Comes To £630.
Can Someone Please Help Me
MBNA.claiming back £3219.08 LBA stage expired.offered £1190.PAID OUT!!!!!!!!!!!!!!!!!!
Lloyds.claiming back £1025. LBA stage expired.accepted offer of £750.SETTLED
CAP 1.claiming £839. offered £216. LBA stage expired
alliance&leicester
,but there was a little money left in the account,albeit not enough to cover.it put me £1.02 overdrawn.as i was no longer using this account,i never checked on it, until i got a statement saying that i was now £100 overdrawn.they are charging me £5 per day.ive just checked on line,and i am now £187 overdrawn.
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