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
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About time I got a thread going on this, although it's not the most exciting one ever.
£72, not huge amounts, but on a credit limit of £400, it's a fair chunk, and it stems from their cash advance fee which took me over by about 50p, so... Methinks they're taking the proverbial here.
Anyway, prelim and lba have been and gone and the sod-off replies have been received, they seem to think that because all the charges were £12 ones, they don't have to repay me. Ah ah ah, fools.
So I need to start my county court claim, but I don't have the £30 needed until May 2nd, when DH gets paid, so they're getting a short reprieve.
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
As usual the worst to keep to my timetables, only got round to filing yesterday.... just as well as I found another charge which had somehow completely escaped my scrutiny.
So, £84 + interest on charges + 8% APR + court fee = £133 and pennies.
Now we wait.
Apologies to people who I was in the process of helping, I may be gone some time.
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
Went to court to hand in form for judgment, I asked to check the file just in case, and what do you know, it had been acknowledged! And then of course, when I came home, postman had been and I had the AoS in there.
Ah well.
Apologies to people who I was in the process of helping, I may be gone some time.
Went to court to hand in form for judgment, I asked to check the file just in case, and what do you know, it had been acknowledged! And then of course, when I came home, postman had been and I had the AoS in there.
Ah well.
What rotten luck Bookworm.
1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -HERE
2: Take back control of your finances -Debt Diaries
3: Feel Bullied by Creditors or Debt Collectors?Read Here
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
I have to say I was surprised, but just thought they had slipped on this occasion.
Do you know, with all the financial institutions I have pursued, I have never won by default? Umpteen out-of-court settlements, 1 stay, 1 settlement literally going into the courtroom (and leaving 5 mns later) and 1 outright victory in court. An easy win by default would have been nice for once.
Apologies to people who I was in the process of helping, I may be gone some time.
Deadline for filing defence is tomorrow, and today THE letter came.
It is denied that charges are unlawful, only levied when customers breach contract, they have acted in accordance with T&C and it is clear that I have no claim against Cap1.
Whilst they do no accept liability, they have in an effort to resolve thismatter without the need for a court hearing, refunded in full to my account.
These refunds are made purely as a GOGW and they will now defend this claim on the basis that they have refunded the full claimed amount [:-?]
Once claim is settled they may still add charges if we go over, bla bla blah... And if we can't abide by those T&Cs, maybe we should close our account.
That's it, apart from the fact that we get reminded that's it up to us to tell the court we are discontinuing our claim, but they have writtento them anyway to tell them they have paid up.
So one more to me.
Apologies to people who I was in the process of helping, I may be gone some time.
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
Bookie does Capital1 **WON**
have been and gone and the sod-off replies have been received, they seem to think that because all the charges were £12 ones, they don't have to repay me. Ah ah ah, fools.
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Re: Bookie does Capital1
Originally Posted by Bookworm
