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 ana ccount with RBS it went to defualt got a ccj and now paying them off every month.
last month when i phoned i just asked them for my statemnts and within a couple weeks i had the statements sent to me back dated to 2002 - amazed!!! I didn't send any letter to them or post any cheque for £10
Now I guess that I can claim for any d/debit cheque refusal charges but before I go ahead ................. what do you reckon about the fact that the banks are being looked at for the charges anyway now? a friend of mine had started to go through a company to help her claim her charges but she was told to hang fire and wait to see what the outcome is first ?????????
should I ignore this advice and get adding up now ?
Its certainly worth getting your preliminary letter in at least so that you are in the system. As part of the fsa waiver the banks have agreed to waive the limitations where complaints have been made while the claims are on hold.
SO TODAY I STARTED TO LOOK AT WHAT I'M CLAIMING FOR !!!
i HAD TWO ACCOUNTS WITH RBS - i WAS TOLD THAT WHEN i WAS ISSUED A DEFAULT NOTICE, THE ACCOUNTS WERE SHUT - ONE ACCOUNT I'VE LOOKED AT TODAY - I'M STILL PAYING interest ON !!!!!!!!!!!!! AND SOME OF THE CHARGES LISTED IN THE STATEMENTS ARE JUST LISTED AS CHG!!!!!! HOW BADS THAT ? ? ?
SO I'M LISTING ALL THE INTEREST CHARGES ON THE EXCEL ADVANCED SPREADSHEET AND ALSO THE CHARGES/D DEBIT AND CHEQUE CHARGES !
HOPE THIS IS RIGHT GUYS ? ANY OTHER POINTERS I'D BE REALLY GLAD OF X
mmmmmmmmmmmm............. ......... cant believe some of these charges!!!!!! some are like 200 a month ! and because they charged me 90.00 on one day for some reason - it just says charge!! ............. wonder if I can persue this even further? - i've been daft in the past topping up my loan to pay these charges so therefore i ended up with a ccj and default plus court charges - reckcon this was all becuase I was getting such high charges!!! getting mad!!!!!!!
becky v rbs
it went to defualt got a ccj and now paying them off every month.
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