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 disputing with Lloyds trying to reclaim my bank charges, i posted this in an earlier thread -
"i recieved a letter from lloyds complaints dept today, it basicly says that because i signed the terms and conditions of the account when i opened it, that i agreed to the charges! they say that they think their charges are fair and that if i take them to court they will ask to put the case on hold. They also say they will not refund the intrest charged on the charges as this intrest it standard among all lenders as i had the 'benefit of borrowing the money'. I didnt borrow money i went overdrawn by £60 which has resulted in charges now totalling £300+
The weird thing is that they recognise i am in 'financial difficulty:cry::cry: or hardship' - im on a dmp - yet say they want to negotiate a re-payment plan.
Im confused now as to where i stand. What do i do? Does this mean the accounts on hold? and i have to wait for the court appeal to come through?
I havnt yet recieved a response to the letter i sent about the telephone calls - i used the template provided by you guys thanks.
Another thing - i had a silver account and downgraded this to standard as i switched banks so they couldnt take my money - yet they were still charging me the £7.95 and still are as far as i know (havnt had may statement yet) and have passed this to another department to investigate."
DCA letter even though i have disputed
trying to reclaim my bank charges, i posted this in an earlier thread -
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