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
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Forums and threads are all new stuff to me, so if I make a mistake please tell me. I'm sure someone will, after reading a lot of the messages on the forum you seem a helpful lot out there.
I posted my Data Protection Letter and received back a form "Data Protection Act - Subject access request" and a letter asking me for £10. Will fill this in and return it with £10 cheque and see what happens next, I am assuming I will get copies of all the charges made on my account in return.
You're right, there will always be someone to offer advice or encouragement.
About your Data Protection Act request, you will apparently get loads of paperwork - eventually - which you can then pore through to highlight all your charges over the last 6 years (if your account goes back that far).
Then you'll be ready to go! So if you haven't got one already, it would be advisable to sort out a parachute account elsewhere.
I have just received all details of my statements, wow wot a lot I got. Am working through them adding up all my charges. I know I should read the forum more, but can anyone tell me which letter I send next please.
I also have a credit card with MBNA who I believe now are part of A & L (or the other way around). MBNA have taken a direct debit early, thus sending me overdrawn and thus incurring another £34 charge. I am beside myself.
Is it true that I can also claim all charges back from Credit Card Companies as well, if so I am really going to sock it to MBNA.
The next letter you send is the prelim letter which is in the library. You also need to send a list of the charges with this letter so I would strongly advise reading the FAQ'S and step by step guide before proceeding further, i know you may want to race ahead but it is so important you know what your doing in order for you to get your money back.
You can claim charges for credit cards, you will have to do this with a new claim.
The next letter you send is the prelim letter which is in the library. You also need to send a list of the charges with this letter so I would strongly advise reading the FAQ'S and step by step guide before proceeding further, i know you may want to race ahead but it is so important you know what your doing in order for you to get your money back.
You can claim charges for credit cards, you will have to do this with a new claim.
Have added up the amount owed in charges it comes to over £800.00, I am now preparing the Prelim Letter and trying to find the spreadsheet which calculates the charges and interest. Do I have to list the charges individually? I know that I don't add the 8% at this stage.
I have sent the initial letter to MBNA, regarding they have until 20th September when their 40 days is up. It will be interesting to see if they respond.
Has anyone else had dealings with MBNA?
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
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Here we go, here we go, here we go
" and a letter asking me for £10. Will fill this in and return it with £10 cheque and see what happens next, I am assuming I will get copies of all the charges made on my account in return.
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Re: Here we go, here we go, here we go
Originally Posted by arkanara
