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.
Hi, I see there is a lot of information out there but I'm not sure how up to date some of it is and I find the sheer scale of it daunting
I have had a Bank of Scotland account for about a year and have had several £35 charges just for going over my overdraft by a fiver or so.
Is there any chance of getting refunds pending the OFT appeal? I did read somewhere that this case isn't even relevant to Scotland so I'm confused as to what the situation is up here.
If anyone could provide basic advice on whether there is anything I can do, I'd be really grateful - even if it's just a link to currently relevant threads!!
I assume a "sist" is some kind of "hold" pending the test case and that therefore the test case does apply to Scotland as well?
My case is only for around £200 so seems to be well within the limit of Ediburgh Sherriff's Court.
No I had not thought of calling them; it did not cross my mind that this might work. I will do this tomorrow and follow on with a letter if I get no joy. Unfortunately the link to the templates library didn't seem to work? I just got the message "404 - Component not found"?
Before I could call the bank today ... they called me! To tell me I was overdrawn - thanks to their charges!! I argued my case against the charges and ONE charge of 35.00 was dropped. Needless to say armed with the info I now I have I won't be letting the rest drop!!
Bank of Scotland: current situation?
account for about a year and have had several £35 charges just for going over my overdraft
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