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.
Ok, I'm not sure if I'm doing this right, this is my first post and it'll probably be in the wrong place or something!
Anyway, I've been reading and have decided to claim back my ridiculous bank charges. I've printed off the SAR - (Subject access request) template and it's now occurred to me that I should open another current account first just in case. What I've noticed though is that the accounts I've looked at require a min deposit of £1000 per month. I don't actually intend on using the account. Also they ask for current bank details, but I don't want to switch accounts, just have an additional one running.
Will my poor credit rating prevent me from opening another account? :?
It is probably best to get another account as there are some banks - Nationwide and A&L immediately spring to mind, that are closing accounts when you reclaim your bank charges. With a poor credit history you could get a basic bank account - Nat West do a step account which is easy to open online and there is also the Co-Op Cashminder. Neither have to have a minimum amount paid into them.
I don't know which bank(s) you are intending to claim back your unlawful bank charges from, but when you are ready, post in the relevant section and you'll get lots of help and advice.
Remember to send you DPA request by recorded delivery and enclose your £10...they have a habit of 'going missing' if they aren't sent that way
Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.
** Nationwide - £1821.15-PAID IN FULL - Aug 06 ** ** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 ** Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....
Thanks for your reply
I have another problem - we have had problems in the past with Natwest, resulting in bad debt which we are currently trying to clear (mostly due to charges!!!), however I don't imagine they'd want to accept us as new customers! Smile is the bank that we are planning to claim back charges from and are part of the Co-op, so maybe not a good idea either. Any other recommendations?
Thanks for your help.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
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Hi,Q reg parachute account
- (Subject access request
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