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.
first of all, i looked at the oft update thread at it had 1000 posts so there is no way i am reading through all that!!!
so i thought i'd ask directly.
Basically i wrote preliminary letters a couple of months ago asking for my bank charges to be refunded and got the same old letter in return (something about the test case going through court so they will address the complaint later).
Now i've noticed that the test case has been decided for the oft, does that mean i can submit my claim to court (i didnt want to put £30 into the system and wait months for a ruling) or will it still be some time before i can get my cash back?
Also i noticed the banks are going to appeal the decision? Why cant they just admit they are wrong...
To facilitate the test case, in July 2007, the FSA granted a number of banks a waiver.5 This means that banks (and building societies) that were granted the waiver do not have to deal with complaints about UOD charges whilst the waiver is in force.
So who are those nunber of banks and why are the others claiming exemption as well.
Is your bank one of the exempt rob? I can't find a list of those named banks given an exemption.
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Rob i would still go ahead and put your claims in the court, that way they are in the queue. It takes ages for them to procees them, as there are so many claims being put in, there is a 3 week back log at the Maidstone county court, at the moment. Good luck.
anyone else confused?
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Originally Posted by Conniff
