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.
Sent my Prelim off 17th July, got a phone call from Marie Dixon (really nice lady) today saying she needs a Breakdown of my charges that I am claiming the money back for, I said but you sent me my statements so you must have copies there of my charges, she said yes but I need to know the date you were charged and what they were for?????? I think she was just stalling for more time!!!!! Deadline is Monday 31st!!
I told her I dont need to send another letter my charges are just for late payments and overlimit. She said ok no probs what is generally happening people are getting back 12.00 of the 20.00 charged and they are keeping the 8.00 quid!!
I said ok I will await your next letter!!
Nationwide Data Protection Act sent 18/04/06 - 1st response 24/04/06 - prelim sent for 3930.50 22/5/06 lba sent 6/6/06 deadline for response 20/06/06, Moneyonline claim sent 12/7/06, Acknowledged 17/07/06, FULL REFUND - 20/07/06!!!!!! HSBC prelim sent 26/04/06 for 846.00 - reply received 08/05/06 - LBA Sent 09/05/06- deadline for response 23/05/06 Bank A/C credited 23/5/06!!! LBA (MORE charges) sent 29/6/06, deadline 13/07/06, Charges refunded 19/07/06!!! EGG Data Protection Act sent 03/05/06, 1st response 9/5/06 Barclaycard Data Protection Act sent 03/05/06 1st response 18/5/06 GOLDFISH Data Protection Act sent 15/05/06 deadline for response 24/06/06, Prelim sent 18/07/06, deadline 01/08/06|! LBA SENT 8/8/06, Letter offering refund in FULL 17/8/06 Monument Prelim sent 15/05/06 for 48.00 (Deadline for response 29/5/06) Offered half. 24.00 Accepted!!
Juicy-
Goldfish is a Morgan Stanley Bank Brand Of Credit Card-
Claim ALL of Your £20.00 fines back plus the interest that you have been charged, for each fine and from each individual fine date-
Read up on the FAQ's and you will find out what you can claim. It is advised now to send a schedule of charges with your preliminary letter. As you have not done this I suggest that you send it with your lba assuming that you will need to send one.
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.
Yea I will. Looks like I will have to send the interest and a schedule of charges with my lba. I will have to send an LBA as Marie basically told me I will be offered 60%.
Does anyone know if Goldfish are closing down accounts??
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.
Hi Juicy-
I of course agree with caro-
You need to read the FAQ's and..
it makes no difference that its MS!
You can claim back the actual interest that you paid in relation to each fine, from each fine date and up to the day of judgement.
If you have not added it yet, then add it on to your lba, with which you should be sending a schedule of the charges that you are claiming.
Sorry I think we may have crossed wires. I know you can claim the interest when you file your claim online, as this is what I did with Nationwide, is this when you mean? Or do you mean I can claim the Interest now? If thats the case then I wasnt aware of that. Am gonna read through the FAQ's now as some things seem to be chaging.
Juicy
Also I am worried they will close our credit card!!!
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.
Juicy V Goldfish!!
from Marie Dixon (really nice lady) today saying she needs a Breakdown
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