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.
Ive been putting this off for ages but finally decided to get myself in gear and start going through the process of getting my claim in.
I have got my statements and spent many hours yesterday getting all my charges entered into both the simple and complex spread sheets, together with all the other details.
I have been looking around the site and got the next letter to send in. A couple of questions im hoping someone can answer. Id bet my left leg the answers are on here somewhere. I have limited time i can spend on the net though and have not found them yet.
Initially do you only send in the letter stating only the total charges or do you go straight in with one of the spread sheets including all interest along with letter 2?
What is the difference with the simple and complex spread sheets, ie does it matter which you send in first?
If you use the complex sheet what figures do you extract to get your total. Is it the charges with interest, plus overdaft interest, plus interest on overdraft interest?
Im sorry if some of these seem stupid questions, if anyone can answer or even just post a link to the correct section of this site i would be very greatful.
I have had a letter back from RBS and need some advice. The letter states that the bank is involved in the test case with the OFT and the FSA has agreed to suspend the normal timetable for dealing with complaints. They say as part of this agreement with the FSA they are obliged to review my account to see if i am experiencing finantial difficulty. They have sent me a "Customer Finantial Statement Form".
I believe i have to return this so they can decide if my case is a hardship case?
They say if it is a hardship case then they will take the case forward. But this may involve measures such as, opening a new account, cancelling non essential DDs, returning and cancellation of my cards and cheque books, income diverted to new account and a mutually agreed standing order set up from new account to old account to clear any debt on the existing account.
The financial statement asks me to provide details about my property, other assets, employment including employer, income details, expenditure details and all other debts and credit outstanding else where.
Is this normal to recieve this. Do i fill this in and return it or do i now just send my lba?
Has anyone else had one of these and returned it, if so what happened?
I followed the process through intitially and then due to various reasons and lack of time i didnt get to filing with the court. So RBS kept my case on hold and have now wrote to me to say sorry mate but you lost.
They have stated that if i dont respond withing 8 weeks then they consider the matter closed. I have a few weeks left and want to put a letter together to say i dont accept that it is closed as the matter is still ongoing.
Because i didnt originally file under reg 6, does that mean i can go straight in with reg 5.
Also.... is there any argument against the charges... which they have admitted fund Free Banking, when you have a type of account that you are paying for. ie royalties gold account. Your charges ae being used to fund free banking yet you dont even use free banking.
The banks always stated that the charges coved the admin fees. Now they admit that they make a profit and justify it by saying it keps banking free. So if for many years like myself you have paid for a gold account, then a royalties gold account you are not using the service that they say you have been paying for.
So in my case... and many others we were made to accept the charges thinking that they were justified by costs. Now we are told effectively that they now are justified by the admin cost and to fund free banking. Yet i can show that i have been paying for my banking service for many years. In fact, the whole time i was accumalating the charges in my claim.
Any thoughts or direction on this would be appreciated.
We can help you but you will need to hunt around and get correspondence or T&Cs or court documents such as defences in which they claim that theri charges are fair, reasonable, transparent, or that they reflect their admin expenses etc.
If you can get any of that, please let us know and we can go forward.
By the way, if it helps, I am certain that this stuff exists. It needs to be for the period during which you held your account.
Read my articles on the CAG front page
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.
Sambuca V RBS
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