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.
Preliminary letter chasing £363 ready to be handed into local branch on Monday. Kind of actually looking forward to handing it in to put the ball in their court. Also sent a copy to each of the RBOS contact email addresses in the sticky thread yesterday and got a reply saying they were being forwarded to the appropriate people so the clock is ticking. I used a letter combining parts of the CAG and Govan Law Centre preliminary letters!
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Halifax Credit Card - claimed £404, settled at £387.50
BoS Current Account - £3600 claimed successfully, working on default removal
BoS Loan - Default removed
Vodafone - Default removed
ex-Landlord - successfully got him to drop his counter-claim, settled out of court after 3 hearings
I thoroughly recommend to anyone who has ever been ****ed of by a financial institution to hand deliver rather than post letters as today was the most fun I have ever had in a bank. My adrenalin was rushing from the moment I stepped in the door. I just stood in the queue for cash and then said that I needed to hand in a letter but I needed a date dreceipt. They asked what it was and I gave them a wee indication and then it was basically, "You'd better speak to the manager!" So over came the manager who I spent several minutes arguing with as she didnt want to give me a receipt but was I taking no for an answer? Not on your life! She tried to say she had no standard way to give me a receipt and that I'd be better posting it to customer relations myself as it may get "lost" in their internal mail. I replied that it was mor eimportant for th ebank than me that it reached the approrpiate person. I eventually manage dher to give me a receipt and then it was back on with the sunglasses and I strode into the sunlight already starting the 14 day countdown for my lba which is already stored on my hard drive ready for action!!!
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Received a standardised fob off letter from Tommy McLean today which was quick!
"We believe our charges are fair...blah,blah,blah"
Basically **** off!!!!
I'm going to stricktly keep to my timetable, sending off the lba on the last day of the month (14 days after prelim letter). Should I consider sending an intermediate letter this now in reply or just wait?
They have already given their reply, so you could reply by sending the lba now. They have very kindly replied well within your 14 day timetable, so on to the next stage now I would suggest
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Received this reply immediately so I have forwarded it to Ross Mcdonald as requested and put contact details in the RBOS sticky....
I'm out of the CRU on annual leave, returning on24 July.If you need a
response on a general CRU matter before I'm back, please e-mail Ross
McDonald (or contact him on 0131 523 3240).
Just got charged £35 for going £1.80 overdrawn. Can I add this on to the schedule of charges that I will be handing in with my court papers this time next week if theres no answer to my lba?
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Well second nicey nicey politey politey fob off letter received from my friend and yours Mr Tommy Mclean. I hope he's not on commision for fobbing people off going to court as that is precisely where we'll be going. Will keep you guys posted. Getting exciting now. Now claiming £398+ interest+fees!
PS. Can someone come to court with me and hold my hand!??
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Sat up last night drafting court papers and interest calculating spreadsheet only to get up this morning to find I have been charged £28 (without being notified as usual!) for going £1.87 overdrawn at the weekend. So will now have to wait till I get paid later in the month before I can start my summons. Bar Stewards!!!!!
Hi there
I received my letter from Tommy McLean this morning also, so lba is winging its way as we speak. I'm claiming for over £13,000 though, so will have very sore fingers from typing out claim forms, but it will be worth every blister!!!
Good luck and keep us posted
Fiona
Thanks for the well wishes Fiona. Because it is going to be week or so tillI start my court claim I sent a cheeky email to Tommy McLean this morning just to let him know I haven't forgotten.
"
Dear Sir
Account no:XXXXXXXX
Sort Code:XXXXXX
Re: Your refusal to refund bank charges
I write in response to your letter dated 28/07/2006 refusing my request for a refund of bank charges. I have now given you a total of 28 days to refund the unlawful charges into my account. You now leave me no choice but to file a claim at my local court. I have attached the forms that I shall be filing within the next 7-10 days for your reference. I will subsequently require you to lodge in court financial vouching for the actual loss sustained in my case, together with your full financial accounts revealing how much income is generated from your bank charges. I shall now be claiming for charges+8% interest+reasonable costs to myself for my hassles.
gargoil v RBS ***SETTLED IN FULL***
and Govan Law Centre preliminary letters!
Reply With Quote
MCOL submitted 19/07/06 
