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.
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.
Re: Have you been defaulted for bank charges? Prepare to take action
Believe me HSBC is really taking the p's ... they have calculated bank charges on my account for dd that was rejected and for the past 3 years have been applying interest on them. The funny part of this is, I did not even recieve a notice of default on my account nor did I receive any letter due top change of student accommodation..
Re: Have you been defaulted for bank charges? Prepare to take action
hi everyone i am new to this, i have just got the statements for me and my hubbys accounts and he ahd a charge on first direct about 4 years ago and some charges on his bcard are we able to claim these back??
Re: Have you been defaulted for bank charges? Prepare to take action
Sorry farmgirl , I missed this because you've posted on a 'sticky' - .
Was it just the one charge on First Direct ? If so, might be as well to let it ride ............
If he has charges on his Barclaycard they may be reclaimable.....
Can you open up your own thread so that others can come in with advice ?
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Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
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Re: Have you been defaulted for bank charges? Prepare to take action
Oops ! sorry farmgirl - I should have said... there's a new thread button at the top and bottom of the threads page.........
Nemo me impune lacessit
Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
If you think I've helped you please feel free to tickle my star
Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
If you think I've helped you please feel free to tickle my star
Re: Have you been defaulted for bank charges? Prepare to take action
My mistake, it was actually the second link I couldnt access...Apologies
Here is the error message I get:
" FightThemAll, you do not have permission to access this page. This could be due to one of several reasons:
Your user account may not have sufficient privileges to access this page. Are you trying to edit someone else's post, access administrative features or some other privileged system?
If you are trying to post, the administrator may have disabled your account, or it may be awaiting activation."
Re: Have you been defaulted for bank charges? Prepare to take action
I got the same message fta, - maybe a moderator can access it for you ?
Or , it might not be worth the hassle ........
Nemo me impune lacessit
Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
If you think I've helped you please feel free to tickle my star
Re: Have you been defaulted for bank charges? Prepare to take action
hmmm i m new to here so i dont know if i m posting in the right place i am 19 years old and left my uni course at xmas to reapply for another i have been on jobseekers since then and had a few odd jobs since. I have been living on less than £60 a week. I have a contract phone from before i was on benefits and you cant really get out of them very easily so that 335 a month. I can afford it but the calender my jobseekers goes in on and the dates my phone bill comes out do not match. every month almost i get charged for going overdrawn on my debit account from. it ranges from being £5 to £50
overdrawn because of my phonebill or my jobseekers coming in late. Every month i am charged between £25 to £50 for this i have tried so many times to set up a small overdraft so it dosnt happen but they wont lets me and try to sign me up for a credit card. i m only 19 i dont want one but i cant cope with them taking all this money i really am pretty broke. I have even been into the bank to explain my situation with money and my phone bill but they just sent me this snotty letter saying there fees were fair and basically i should either get a loan or a credit card.
if there is anyway i can claim back the £100s they have charged me I reallly would like to. I am really struggling and all they seem to want to do is take money from people who really cant afford it.
any advice would be gratefully recieved
thankyou x
Re: Have you been defaulted for bank charges? Prepare to take action
Hi tristanrose , welcome to the forum
could \i ask you to please open your own thread on this , (by using the 'NEW THREAD' button at the top or bottom left of the main HSBC forum) . If you just copy and paste your current message , it'll ensure you get info that's directly for you ... and can't be confused with anyone else's queries .... Thanks !
I'll keep an eye out for your thread , and you'll always get an answer from someone on here , ......we're user-friendly .
Nemo me impune lacessit
Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
If you think I've helped you please feel free to tickle my star
Re: Have you been defaulted for bank charges? Prepare to take action
If you're out there tristanrose ...... please come back and ask if you still need help ....... it wasn't my intention to put you off ..... just to set up your own dedicated thread ..
Nemo me impune lacessit
Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
If you think I've helped you please feel free to tickle my star
Re: Have you been defaulted for bank charges? Prepare to take action
Hi cdflad, I've replied to this on your own thread , to keep it within your queries ..... that way you don't get answers meant for someone else .... .
This thread is actually a sticky ......
Nemo me impune lacessit
Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
If you think I've helped you please feel free to tickle my star
Re: Have you been defaulted for bank charges? Prepare to take action
Welcome to the forum Theresa,
Don't give up now .......if we can help we will...... you only have to ask ....
Nemo me impune lacessit
Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
If you think I've helped you please feel free to tickle my star
Have you been defaulted for bank charges? Prepare to take action
The Consumer Forums
Reply With Quote
.....
..... just to set up your own dedicated thread ..