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.
Have sent standard letter from library in the last two weeks, have had a letter saying they will not consider paying back the charges as they are correct and line with account T & C's.
Is this their standard patter and if so, what is the next angle of attack, because they are definitely not getting away with this fob off.
Yes its a standard letter, was your letter the prelim? if so its letter before action time, go for it !!! good luck!
I QUESTION THEREFORE I AM!!
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!
Take a good read round, you can pick up an awful lot from the threads - being forewarned is being forearmed, as they say!
A&L will throw all sorts at you to try to confuse and scare you.
Know that you are amongst friends here though. Any fears, problems, questions you have, just post them here; someone will pick them up!
Also, make sure you are well read on the FAQ, they give you a step by step guide to the whole process.
Finally, it is highly recommended you get a parachute account opened ASAP, as now you have asked them for your money back, they will more likely than not close your account.
Good luck both. Keep strong; you can get your money back. 8)
Ian v A&L
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