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 been trying for two years to reclaim bank charges from BOS, I had an overdraft that has gone over its limit because of bank charges, I have refused to pay any money into reducing the overdraft as they are basically ignoring my claim for almost £5000, I got a letter this morning saying they were "sending a representative on the 19th May to my home" can they do this, is this a debt collector they are sending, do I have to open the door to them.
I am 68 and applied under the financial hardship to reclaim charges, that too was ignored.
The short answer is no you dont (and you could always go out for the day )
But if they do get you in, my advice would be to follow the advice given here http://www.consumerforums.com/resour...oorstep-visit-
I would also consider sending them the letter that you get to if you click on the link in the page this will take you to - though admittedly time would be against you.
But one thing to keep in mind is that they often threaten this, but dont always act on it.
I applied twelve months ago and then again ten months ago, I send a "reminder letter" once a month. I will go check out the link you have kindly given me.
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.
have they asked for your card and cheque book back? I am assuming that is why they have stated about sending a representative round. Furthermore, I would tailor your letter to include priority debt arrears(mortgage/rent, council tax, utilities). Include photocopies of arrears notices as well.
I have never had a cheque book, the disputed account was a bill paying one, my salary was debited 1st of the month and all bills paid, problems started when I retired in disabilty pension, first months pension was three days past the date for £1200 being debited, charges snowballed, I couldn't keep up with them, cancelled bill paying account and all direct Debits, kept on top of the DDs but couldnt keep on top of the bank charges.
I didn't know I could put a claim into court, I admit to burying my head a bit.
Bank Sending Representative
, I had an overdraft
Reply With Quote
