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 have just posted my first request to A & L requesting £351 of bank charges and received what l beleive to be 'a standard letter' refusing my request. The interesting point of the letter states that' the OFT were referring to late payment charges only in repect to credit card payments'. Is this true?
Hmmmmm not as far as im aware, otherwise we sould not have had some many winning cases!
However the report is available to read so have a good look through
Good luck
All advice is given purely from personal experiences . If you are in doubt you should always seek legal / financial advice .
If i have helped in any way please let me know via personal message, IM in aol or clicking on my scales go on you know you want to really!!
Halifax Claim Data Protection Act: 20/06/06, LBA: 11/07/06, N1: 7/8/06, Paid in full 25/8/06
Swift Claim Data Protection Act: 5/8/06, Request for Payment 19/8/06, LBA 4/9/06 Sod off response with paltry offer (accepted as part payment) 22/09/06 N1 filed 25/09/06, deemed served 11/10/06 No part payment recieved to date
GMAC Claim Data Protection Act 21/08/06 Request for Payment 11/09/06 LBA 25/09/06 N1 Filed 11/10/06, deemed served 19/10/06
Alliance & Leicester
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Re: Alliance & Leicester
is given purely from personal experiences 
. If you are in doubt you should always seek legal / financial advice
.
go on you know you want to really!!