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.
Well after 6 years of being charged monthly for going slightly over my overdraft, 9 times out of 10 because of the previous months charges, I've decided to join you all and take on HSBC to try and recover my money. I'm just about to post them my 1st letter asking for the charges over the past 6 years - wish me luck!
Take your time and have a good read of the FAQs and the templates letters, followed by a browse through many of the threads in the forum for your bank (see links in my sig, below). When you are ready to start, post in your bank's forum and report your progress in that thread as well as asking your questions (there won't be too many if you've read the FAQs properly) and you will get the best out of this site and all the accumulated experience here!
Jeep (The Wife & I)
Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06
Halifax joint a/c new charges £1100 - LBA sent 02/08/06
Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)
Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far
Halifax Visa (#2) Data Protection Act sent - refunded £170 DONATE - Support this site, it supported you! Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet All advice given in good faith and without prejudice or liability, to be taken at your own risk!
Another Newbie!
of being charged monthly for going slightly over my overdraft, 9 times out of 10 because of the previous months charges, I've decided to join you all and take on HSBC
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Re: Another Newbie!
