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 there all of you absolute stars that help people with these claims...
I need a bit of help...
I have sent in my claim twice but my bank says they havent received it so am going for a third time lucky, only thing is my overdraft is over the limit (due to unfair charges) and I havent paid it for a while as I wanted to claim these charges back.
They are now asking me to fill in a finanical hardship form...
I intend to send it back with a letter with a schedule of charges on to remind them of my claim and as a student who cannot pay his bills, rent and has no income I think I should qualify for hardship.
Do I just send the first letter with a schedule of charges and tell them Im not going to pay them anything and the refund can cover my overdraft etc..?
Hi Alcossy.
Spend a few days reading the FAQs and the step by step guides. That will give you a wealth of information.
If you follow our well-tried and tested route you will be ok.
Don't wander off the path or their legal department will have you for breakfast.
It is most important that you go about it the right way.
This is self-help forum.
We've provided the material, now you do the reading.
Start your own thread in your bank's forum and ask any questions you have, there. Also, try to keep your thread up to date with progress reports, then anyone offering advice will know what stage you're at.
Regards, Rooster.
If this has been useful to you, please click on the scales at bottom left of post. Thanks.
Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.
Hi everyone...
Just to say a quick hello to all and a big thank you to founders for doing this work... you are doing a great job... well done! very impreseed...
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.
i noted that we might have to wait for another year before we might be able to claim overdraft charges from banks as the appeal procees might take as long as a year... not sure if i can wait that long or end up with more charges... perhaps a good side of this is to be able to claim an interest rate for another year on the charges occured if that cos possible.. lol...
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.
Alcossy,Yes fill out the means enq form with your financial details.
Make sure that you return it recorded delivery and keep the proof of posting.
By nature of them asking you to fill out the form,they are taking seriously your request.Under the waiver as agreed with the OFT they must take into account hardship cases.Yes send a schedule of charges as well.
Tell them if they do not settle the matter to your satisfaction you will be filing in court.The fos cannot deal with your refunds if you start court proceedings but you can still report them for failing to treat your case as hardship...if they threaten to close your account then you can report that too.
Shoma- good to see you but please keep to your own thread !!
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
Ok who is the bank ? I will move it to the appropriate place but need this info.
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
Thankyou for the help Martin3030 I have just received a letter stating that my financial hardship claim has been accepted and all interest and recovery action has been suspended as the claim will repay the outstanding balance on my account pending the outcome of the OFT court case...
What do I do now, do I start court proceedings or ask for a cheque?
Cheers for your help, if this is in the wrong part of the forum please can somebody move it for me? Its an RBS account.
Have moved here and re-titled.
PM sent too.Under the circumstances I will advise you there as to the next move,on the provisio that its added to the thread when appropriate to do so later
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
Alcossy v RBS
is over the limit (due to unfair charges) and I havent paid it for a while as I wanted to claim these charges back.
Reply With Quote
