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.
Dubious website businesses Conterfeit alcohol and cigarettes Illegal sales of alcohol, tobacco, knives & fireworks to children Cowboy builders or tradesmen Car clockers Counterfeiters Aggressive selling
Never phone or accept phonecalls from debt collection companies.
If you don't believe you can win, there is no point in getting out of bed.
_________________________ ________________ _________________________ ___________________
that is before they have to write up (the Credit defaults loan guarantees) which is about 4.2 bill that they have just lost or are about to lose ,they dare not print this news just yet (lol) it would put them in deep deep trouble to divulge this info
patrickq1
:cry: :cry: Awww Barclays I am sooo sorry that you only made 7.1bn profit.
I so very very sorry that I want my 7.5k back that you kindly took from me in your polite charges, and I am so very sorry that I lived on toast with my son for the few months you were taking this money. I am so very sad for you that I am now in the process of organising a collection in my office so that we can send a nice bunch of flowers to cheer you up - your H/O is Canary Wharf right? we will endeavour to deliver the flowers by the end of the week (as everybody gets paid - yay!) However by then you may have made another million in clawing back charges from peoples' overdrafts so forgive us if we can only scrape up enough for a small sympathy card and some daffs...
I will pray for you tonight Barclays and hope that you can make it through these troubled times :grin:
Barclays' £7bn bank 'robbery'
Last updated at 13:49pm on 20th February 2007
Comments (28)
Profits at Barclays shot up by more than a third to a record £7.1 billion last year, it was announced today.
The figure was far higher than forecast and triggered a storm of protest from consumer groups and politicians.
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The 2006 result showed the high street arm of Britain's third biggest bank made £86 profit for each of its 14 million UK customers. And it means Barclays directors are in line for bonuses of at least £15 million.
The profits were today condemned as " daylight robbery" by Eddy Weatherill, chief executive-of the Independent Banking Advisory Service. He said: "It's a complete stitch-up. They are the new highwaymen.
"The banks are having a heyday and they will continue to do so while customers sit still and don't look at what is being offered elsewhere."
The announcement comes ahead of a key report from the Office of Fair Trading into high bank charges, which many customers claim are illegal. However, Barclays chief executive John Varley said free banking was not under threat - contradicting comments from the head of Nationwide last night.
Mr Varley also revealed a big increase in bad debts to £2.15 billion, as tens of thousands of customers struggle with spiralling credit card debts and loans. However, he insisted the worst of the "debt crisis" at Barclaycard was over, saying: "The number of customers missing a payment is falling. Arrears balances are also falling."
But critics said the vast profits, equivalent to the gross domestic product in Jamaica, revealed how customers were being ripped off. Liberal Democrat Treasury spokesman Vince Cable said: "These enormous profits highlight the raw deal UK consumers are getting from banks.
"The Government's failure to get to grips with the banking sector means that while banks boost their profits, many customers are getting deeper and deeper into debt."
There was also criticism of the "underhand" charges levied on customers who go above their overdraft limit. Nick White, director of financial services at price comparison website uSwitch.com, said: "Consumers really need to keep a close eye on the sneaky changes made by their bank, more now than ever before." Barclays is the first of the big five high street banks to report its profits.
Its top boardroom pay-out will go to Bob Diamond, head of the hugely successful investment banking arm Barclays Capital.
However, Mr Varley defended the profits, saying they benefited pension funds and allowed the bank to support "thousands" of community projects around the world.
Barclays £7.1 billion profit.
'only' made £7.1 billion profit.
and it's members should apologise to them for the distresss they have caused and for the fact it could have been 11 billion or 20 billion.
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