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 everyone, I am new to this site and have, rather belatedly, checked through my statements from the middle of 2002 to now, and found that Lloyds have flinched me for £1552.
Am I too late to start the ball rolling in claiming this back? I hope not, as I have had to open a new account for my child benefit to go into as all the bank charges were leaving me with no money at the end of it. Well, I say open a new account, it is an account I have had with another bank for 7 years or so, and had forgotten about, as there was only a few pence in it and I had lost all the paperwork when I moved house.
The other question is, will it act in my favour if I tell them I will write off the overdraft interest thingumies, as seeing as it is £1552 in just charges, then this will do for me, I am not fussed about interest, and judging by some of the posts I have read with people trying to get ANYTHING out of lloyds, then I am going to be hard pushed to get this back as it is.
If anyone can give me any pointers in how to go about doing this, then I will be most grateful.
Use one of the spreadsheets from here http://www.consumeractiongroup.co.uk...eadsheets.html to produce a schedule of charges I used the simple one an example of how to fill it in can be found here .
When you print out your schedule of charges dont include the last two columns.
Send this and the letter to Lloyds recordrd/registered delivery
Hope that helps
saint
Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)
I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.
Re: Newbie saying hi and asking a couple of questions
It would appear I miscalculated. My charges are actually £1752, as there is just over £200 due out on 3/3 in bank charges. I have included these into the SOC. I take it this means therefore, that I cannot file until at least 3/3???
Newbie saying hi and asking a couple of questions
have flinched me for £1552.
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