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.
I'm really pleased to find this site; it's a great encouragement and help.
I''ve been trying to persuade First Direct to refund six years' worth of charges, to the tune of £800 or so, and so far they've stonewalled. I'm just waiting for them to produce a list of charges (they tell me they're sending copy statements, which isn't what I asked for) and then it looks like the MoneyClaim route. Wish me luck . . .
You're in the right place! Read the FAQs and template letters, then read up in the forum for your bank to see how your fellow claimants have got on. Post in there with your story once you are ready and get the benefit of their experience! See my sig below for useful links to help you on your way.
Statements are perfectly satisfactory for you to be able to reclaim your charges. You just need to spend a bit of time with a highlighter and the charges spreadsheet to add it all up.
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!
Greetings from Wales; me v First Direct
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