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 am unfortunalty new to this messaging
but if anyone thinks ive got a case,i would like help
in january i was charged(comming off in feb)£450+interest .i complained telling them there insufficient funds in my account because of an error of theirs and they admitted they never cancelled the correct direct debits .
therefore they refunded my 450 but kept the interest.as i went over my overdraft because they never stopped the debits but paid them out of my account (and then used their money to pay others).
OVER THE LAST 8 MONTHS I HAVE HAD £1235.39 IN CHARGES
I have managed to get many if not most refunded as they were the banks fault .i.e.computer system was not working ALL weekend
but i find it all so stressful and i really dont think i should be spending hours on the phone every month sorting it out.i have a full time job and a 3 year old daughter i dont need this crap.
i want an appoligy and the time back.It has caused so much strife with my partner.and ive been in tears so many times
It may be fine to charge someone who earns £100000,£2000 a year in charges but not a family who has only £15000
I had a run-in with my bank over something a few years ago. I told them that I would take an apology or £1000 and they could choose. They chose the £1000.
You say that you bank did not stop certain DDs. You don'texplain why they should have done this. Please explain
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
i cancelled the direct debits and i was assured by some incompetent so and so in india that it had been done when i checked it hadnt therefore payments i had comming out put me about £440 over my overdraftthen they gave me my 20 charges for items under £5 that they had to pay or not pay and charge my for the pleasure of ehach one
mental eh
i dont have another account,and i dont think my dad is too keen on me borrowing 1000 a time just incase there are any mishaps and its taking the bank a while to get things sorted
Same here - go a family and the amount they take adds up to a family holiday somewhere noce without the stress!!! Seems when i tok that holiday thats when they got the same amount out of me in charges over two months!
If you hav another account do what i did and shift your salary across asap - at least then you control how much you pay back but the downside is like me you have to fight over your credit rating etc and rcovering th money.
In light of this mornings (im not used to this computer type correspondence to discuss my private financial affairs openly) type dialogue i fel that i will proceed with the application for refund - lets face it - they are taking the preverbial!
Start getting used to the computer. It will empower you. If national governments can't keep their populations down because of the Internet then what chance have the banks got in a fairly free and unregulated society?
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
what annoys me more is when i check my account one day at the cash machine or online banking they tell me one figure, so i take money out my account and guess what the figure wasnt an accurate figure, so next day all the machines are right and guess what i ve got charges. good [problem] hu!!
what annoys me more is when i check my account one day at the cash machine or online banking they tell me one figure, so i take money out my account and guess what the figure wasnt an accurate figure, so next day all the machines are right and guess what i ve got charges. good [problem] hu!!
It's for those very reasons that this site exists.
Advice & opinions of Dave and The Bank Action Group are offered informally, without prejudice & without liability.
while looking for a list of charges on the website i discovered there were not any. how can you be able to sign up and register online if you dont /cant agree to charges.
i was charged £55 for the bank paying £5.50paypal payment
£35 for the other on the same day of £8.20.
i went into the branch at shanwick place in edinburgh and i was told that because i had £450 refunded in feb i couldnt get any more refunded.
i told her the charges were well out of order 100%.she did say she was sorry (not the bank)but "THESE CHARGES COME OFF AUTOMATICALLY EVERYTHING GOES THROUGH THE COMPUTER NOW"
i know she believed exactly what she said but she didnt understand what she was saying.
Drop her a note - very nice confirming what she said.
You do understand her predicament now that that everything is fully automated and how difficult it must be to excercise the flexibility that customers were used to once upon a time. Are there any cirumstances in which they might be able to help you.
See if it attracts a repsonse. If you are lucky it will receive an agreement of the points you have made. At the worst they simply won't deny what you have said - which is almost as good as an admission.
Keep the letters but let us have a scan of each please.
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
no worries
i really feel sorry for the tellers because they are so nice .its the buggers in india that mess with my account all the time ,i get told its because im scottish and they cant understand the accent.NO it because theyr'e flaming indian
grrrr
Well I do have a certain sympathy with the Indians
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
he ho
i lodged my claim against Abbey today
and i learned a lot.
1 it was free (yippee)because i get working tax credit
2 i could have lodged it in an english court.and procceded for the full 3years at £4500+3years at £4500because abbeys head office is in England OR
icould have started action in scotland at my local sheriffs office and sued head office but it would not have been very enforcable
for the full amount
BUT that would have been no fun and as i have lodged in my local sheriff court for £620+costs+interest for 6monthsagainst my local abbey branch where i opened my account it is enforcable.
therefore it may take a while to get through 5years worth of claims i will be a graduate of the scottish small claims at the end of it.and i will take to the end.
there are a few other changes claimant=pursuer
defendant=defender
i know its small things but the small things matter
so to any scots wanting to claim-
ON YERSEL GET IT UP YE ABBEY
Very interesting about jurisdiction. Thanks for the info. Did they really say that you could sue Abbey in England even if the contract was made n Scotland.
We'be extremely grateful if you would check this out specifically because it will be very helpful to many people if it is correct.
As you know we have been applying normal juridictional rules and advising people whose contract are made in Scotand that they can only sue in Scotland
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
it is aparantly as i had said i can sue using english or scottish law,to sue using scottish law an address in england is not good because all it results in is a piece of paper saying "I WON"like a fake lottery ticket scottish law cant be forced on english law.
Abbey have settled
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Originally Posted by wintermare
