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.
Can't I just make an appointment to discuss the charges placed on my account ( Lloyds £1982 ) and ask them to pay them back. They paid back £420 Dec 2005 when I asked them, but I had asked for £645. If I go in armed with all the info and knowledge gained off this site, having read and re-read FAQ's.... Has anyone actually won their charges back that way ??????
Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!
You could theoretically go in to your branch and ask them to refund the charges. You could also be laughed out of the branch.
Lloyds have a habit of burying their head in the sand when sent Preliminary Approach Letters, and letter before action notices. It seems the only way to make Lloyds in particular realise you're serious is to file a small courts claim against them.
Certainly nothing stopping you from trying, though - let us know how you get on!
Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
Am I Being Stupid
£1982 ) and ask them to pay them back. They paid back £420 Dec 2005 when I asked them, but I had asked for £645. If I go in armed with all the info and knowledge gained off this site, having read and re-read FAQ's.... Has anyone actually won their charges back that way ??????
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Re: Am I Being Stupid
