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 found the site through a BBC News online article and I have spent several days reading and re-reading. It looks like it could be stressful but rewarding.
To date I have opened another account (with an organisation notably absent from your pages - what a marketing tool that could be!) and I have sent off the Subject access request to the address held at the Commission.
At the very least I can make them work for their charges!
Its quite daunting when you start but its worth it in the end.
Just stay focused and dont except anything less than what your owed!
They will try to buy you off several times and try every scare tactic in the book, but, You have the power over them remember and they know that.
Good luck with it
Ask away if you have any probs and we will help and keep us upto date..
Pretty impressive result you had, and very encouraging! Will let you know what happens next. The bank has until early September to provide the information requested.
Despite Royal Mail telling me that they have lost my recorded delivery S.A.R - (Subject access request), Nat West have sent me 172 statements - must be something in the water. My cheque has not been cashed, but I have been charged £5 for historical statements. I have gone through the statements and have noted unarranged borrowing fees, paid referrals, charges, and unpaid item charges. The date ranges from 31 May 02 to the present day. The value is £1062 exc interest. How am I doing so far?
I will write to Nat West and tell them my intentions.
Sounds like we're at the same stage so I'm keeping tabs on your thread to see how it's going. Mine is redsaz v Natwest. Good luck to us both eh.
How are you going to claim your interest? 8% if/when it gets to court or are you claiming the contractural rate from the outset? There's a great thread on this if you wasn't aware. Called something like 'why isn't anyone claiming contractural interest'.
If you're an Adv Gold customer you know you can't claim back the monthly fee don't you? It'll show up as a 'charge' and is currently £12 a month I think.
I am following the step by step process on Money Saving Expert. At the moment I have let the simple spread sheet calculate interest at 8%. I have claimed for anything that says charge and ignored all those items that say fees. I have also ignored interest charges on authorised and unauthorised borrowing.
This has all started because the Bank would not refund me a £38 charge for an unpaid DD of £22 despite £100 being available in my account all on the same day and in fact the three transactions appearing on my statement on the same day!
I am following the step by step process on Money Saving Expert. At the moment I have let the simple spread sheet calculate interest at 8%. I have claimed for anything that says charge and ignored all those items that say fees. I have also ignored interest charges on authorised and unauthorised borrowing.
This has all started because the Bank would not refund me a £38 charge for an unpaid DD of £22 despite £100 being available in my account all on the same day and in fact the three transactions appearing on my statement on the same day!
Nothing like a small rant on a Saturday night!
You can probably claim for fees as you do not have an ad gold they cannot be that - e#what do they call these fees?
I have checked through the schedule of charges and I am claiming for:
Charges - Unarranged Borrowing Fees
Paid Referrals
Charges (A/C Number per month)
Unpaid direct debit
Interesting to note is the the value of the Paid Referral charges - it would appear that for one month I was charged £75 for being 22p over my agreed limit. I can't be sure of the facts but that is what statement is indicating.
I will send out the letter this week requesting the money to be refunded. Where is the best place to send it - local branch or the HQ?
Hi Madge, I sent my prelim letter to the Bishopgate address, I posted my prelim letter on Tues 29/8 and i had a reply on Sat 2/9 so i now have my lba letter ready to post tomorrow.
Letter prepared and as I have decided to send it to the branch rather than a faceless individual at Bishopsgate it has been annotated "BY HAND" to negate Royal Mail losing it. The Schedule of Charges has been prepared, and the interest calculated for use at a later date but removed from the schedule. All ready to take to the bank tomorrow unless anyone advises differently! I have not calculated whether or not my overdraft was exceeded by their charges and so have not calculated this element of the claim. I am acutely aware though that the charges applied to my account did not help in my management of my money, considering with paid referrals and unauthorised borrowing I was losing nearly £100 per month to charges for a couple of months.
I will let you know what happens next.
Regards
A response has been recieved from my Branch Manager as follows:
"Thank you for your letter of 8th September 2006 and I apologise for any dissatisfaction caused by the application of charges to your account.
We believe that our charges are fair, reasonable and transparent. We consider that the amounts debited to your account have been applied strictly in accordance with your agreement with us and our published tariff, which we are satisfied, complies with all applicable laws and regulations. We are also committed to ensuring the transparency of the information that we give to our customers about the operation of our products.
We have considered and responded to the Office of Fair Trading's statement of 5 April 2006. We do not accept the Office of Fair Trading's findings in relation to credit card fees. We are concerned that the Office of Fair Trading has publicly called into question the settling of charges applied to other products, including current accounts. The Office of Fair Trading has restricted its investigation to credit cards and made no attempt to consult with RBS or the industry in relation to other, entirely different products.
Consequently, against that background, we must differ with the views expressed in your letter.
Again, thank you for taking the time and trouble to write.
Yours sincerely,
signed on behalf
Branch Manager"
A leaflet was also included with regards to complaints etc.
Answering Back ***WON***
to the address held at the Commission.
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Re: Answering Back
Originally Posted by MadgeXXX
Re: Answering Back
