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'm so glad I found this site
I was a (not so happy) customer of the Royal Bank of Scotland for over 20 years and was regularly charged excess bank charges usually for going over my overdraft limit by a few pounds on the last day or so of the month.
It made me so mad but I didn't realise I could do anything about it (apart from move bank, which I've now done) until now.
Situation so far, is that I've applied for details of past charges but had no reply despite the 40 day period being up. The cheque for the £10 fee that I sent has been cashed. I've sent them a letter chasing them up which I'm waiting for a reply to. I know that the next step is a complaint to the Information Commissioner and/of a threat of court action. I'm a bit scared of doing that (big wimp that I am ) but hey, they deserve it.
Just wondered if anyone could tell me whether the 40 days runs from when I sent in my initial request for info ( in this case 27th April) or from when the £10 cheque was cashed.
Thanks
Hiya,
It is my understanding that the 40 day countdown begins when they recieve payment of the £10, which would be the 27th, if the countdown began when they cashed it they could simply not cash the cheque and therfore under no obligation to send you the DPA.
My £10 cheque was cashed on 1st June and I'm still waiting for the statements or details of charges. Original request for information was sent on 27th April.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
Well. I was wakened up this morning by a parcel company delivering my six years of back statements from the Royal Bank.
All I have to do now is plough through them to see how much I've been charged.
RBS- Prelim sent 9/05/06 £1,147
£500 offer 27/05/06, rejected 30/05/06
LBA sent 25/05/06
MCOL 15/06/06
Defence received 20/07/06
Settled in full 01/09/06 wahey!!!!!!!!!
gillymac v RBoS
for over 20 years and was regularly charged excess bank charges usually for going over my overdraft
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