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.
This was sent to me as an email, I think it's a wonderful idea:-
A 98 year old woman in the UK wrote this to her bank.
> The bank manager thought it sufficiently amusing have it
> published in the Times..
> Lets hope he also did the right thing by his customer.
>
> Dear Sir,
>
> I am writing to thank you for bouncing my cheque with
> which I endeavoured to pay my plumber last month. By my
> calculations, three 'nanoseconds' must have elapsed
> between his presenting the cheque and the arrival in my
> account of the funds needed to honour it. I refer, of
> course, to the automatic monthly deposit of my Pension, an
> arrangement, which, I admit, has been in place for only
> thirty eight years. You are to be commended for seizing
> that brief window of opportunity, and also for debiting my
> account £30 by way of penalty for the inconvenience caused
> to your bank.
>
> My thankfulness springs from the manner in which this
> incident has caused me to rethink my errant financial ways.
> I noticed that whereas I personally attend to your
> telephone calls and letters, when I try to contact you, I
> am confronted by the impersonal, overcharging,
> pre-recorded, faceless entity which your bank has become.
> From now on, I, like you, choose only to deal with a
> flesh-and-blood person.
>
> My mortgage and loan payments will therefore and
> hereafter no longer be automatic, but will arrive at your
> bank by cheque, addressed personally and confidentially to
> an employee at your bank whom you must nominate. Be aware
> that it is an offence under the Postal Act for any other
> person to open such an envelope. Please find attached an
> Application Contact Status which I require your chosen
> employee to complete. I am sorry it runs to eight pages,
> but in order that I know as much about him or her as your
> bank knows about me, there is no alternative. Please note
> that all copies of his or her medical history must be
> countersigned by a Solicitor, and the mandatory details of
> his/her financial situation (income, debts, assets and
> liabilities) must be accompanied by documented proof.
>
> In due course, I will issue your employee with PIN
> number which he/she must quote in dealings with me. I
> regret that it cannot be shorter than 28 digits but, again,
> I have modelled it on the number of button presses required
> of me to access my account balance on your phone bank
> service. As they say, imitation is the sincerest form of
> flattery.
>
> Let me level the playing field even further. When you
> call me, press buttons as follows:
>
> 1 - To make an appointment to see me.
> 2 - To query a missing payment.
> 3 - To transfer the call to my living room in case I am
> there.
> 4 - To transfer the call to my bedroom in case I am
> sleeping.
> 5 - To transfer the call to my toilet in case I am
> attending to nature.
> 6 - To transfer the call to my mobile phone if I am not
> at home.
> 7 - To leave a message on my computer (a password to
> access my computer is required. A password will be
> communicated to you at a later date to the Authorized
> Contact.)
> 8 - To return to the main menu and to listen to options
> 1 through to 8.
> 9 - To make a general complaint or inquiry, the contact
> will then be put on hold, pending the attention of my
> automated answering service. While this may, on occasion,
> involve a lengthy wait, uplifting music will play for the
> duration of the call.
>
> Regrettably, but again following your example, I must
> also levy an establishment fee to cover the setting up of
> this new arrangement.
>
> May I wish you a happy, if ever so slightly less
> prosperous, New Year.
>
> Your Humble Client
>
>(Remember: This was written by a 98 year old woman;
> DOESN'T SHE MAKE YOU PROUD!)
>
My mortgage and loan payments will therefore and
> hereafter no longer be automatic, but will arrive at your
> bank by cheque, addressed personally and confidentially to
> an employee at your bank whom you must nominate.
ELL-ENNNNNNNNNNNNNNNNNNNNNNN think she may need your help at some point
Strangely enough it was an email along the lines of the OP that led me to CAG in the first place...........many thanks to whoever it was who sent it to me :grin::grin::grin:
98 year old woman's response to her bank.
and letters, when I try to contact you, I
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