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.
Another credit card I have had for years and have been hit with bundles of late charges & overlimit fees.
SAR and cheque going out recorded delivery tomorrow - will keep updated with the excuses and rationales as they come up.
I am brand new to this, although think I may be able to set a World Record with my charges over the last 6 years - so pleased to finally have the knowledge & confidence to challenge, let alone win !!
Sounds like a nice windfall is probably on its way to you really soon then (It's really nice to see some cash come in that you thaught was gone forever ). Make sure you folow the procedure set out to minimise their wriggling menouvers to try to worm out of things that IMHO they owe ya! I'm sure the CAG owners will appreciate a donation out of your payout if you possibly can, I know I'm gonna donate when I get paid (eventually 'cos my bank charges have been stayed (put on hold) for over a year!!)
Thanks so much for all of your help so far, this is just the first credit card of many but want to perfect my process before taking on the others.
Hacked prelim letter today and my charges for the period were 824.
Now I applied 8% to this and now the total claim is 996.21, had to use the simple spreadsheet on here.
If I applied the credit card rate of about 19% it would make a big difference in the claim. I can see there are loads of schools of thought on this one but unless anyone hugely objects I will send off my prelim letter tomorrow using the 8% - want to keep things simple and am not a greedy man.
Still £900 I did not expect & will help loads after donation...
After a chase I have received a letter from RBS a couple of days before I am due to submit my lba Letter & they have offered me the mandatory difference between the £12 and £20.
Advice from the site seems to be decline this and plug straight in with the LBA, should I just tear up the cheque ??
They have physically sent me a cheque. Reading the very useful link I wa sent (thank you) I will reject the cheque, although bank the cheque as partial settlement.
I will make this clear in my return letter and also submit the lba for the remainder.
Will send this tomorrow unless I receive any advice to the contrary.
RBS sent me exactly the same letter again today with the offer of the difference (the same amount again - £176) I now have 2 cheques for £176 pounds each (bizarrely signed by the same person!)
Should I reject offer, whilst banking both cheques as part repayment for full amount or would this be deemed as malevolent ??
After more cheques sent to me and cancelled they have finally, officially told me to bugger off. Which is handy really as my lba runs out today.
I will be putting some time aside tomorrow to complete the necessary court forms and am almost g'teed to need some support so will be posting more tomorrow.
Looking forward to a practical day tomorrow to try and put this whole matter to bed - and get refund of all my charges.
Bigas vs RBS Credit Card
and cheque going out recorded delivery tomorrow - will keep updated with the excuses and rationales as they come up.
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). Make sure you folow the procedure set out to minimise their wriggling menouvers to try to worm out of things that IMHO they owe ya! I'm sure the 
