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.
The strangest thing has just happened to me, I have just had a call from the RBS to say that they have made a 'mistake', when looking at my account is seems that they have been applying a charge of £38.00 per month for what seems to be forever for no good reason whatsoever, and are now investigating it to see how far back this goes, before they refund me !!!!
The thing is you see is that I have been telling them for years that this has been happening and asking them to justify this amount and they have always put it down to 'administration' or 'exceeding my overdraft (?)'. It now seems that this isn't the case.
I explained that I had got to the end of my tether with this and am ready to persue them through the courts for the dosh, and the lady I spoke to said to hang on until next week, as they will get back to me within 5 days with the details.
It is the most bizarre thing, I have also asked them to look into any implicated charges, say for when this charge has been applied and it takes me over my approved overdraft limit - what then ?
Does anyone know if I can ask them for the 8% interest as well, considering they have had all this money for this length of time ?
I'm still going to claim for the 'unlawfull' charges , but this has made the situation more complicated because what how do I go about proving the implicated charges of this £38.00 charge, because you can bet your bottom dollar that they arn't going to be particularly forthcoming with that kind of dosh, and if I have taken a loan to consolidate my overdraft which this charge could be attributed to what then ?
Can anyone please advise me how to make sure that I get every penny back associated with this £38.00 charge ?
I've just gone through the entire process as advised on this site and was literally going to take the papers to the court in the next few days to recover what I had calculated to be £4500 quid (ex interest)
An interesting development
to say that they have made a 'mistake', when looking at my account is seems that they have been applying a charge of £38.00 per month for what seems to be forever for no good reason whatsoever, and are now investigating it to see how far back this goes, before they refund me !!!!
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Re: An interesting development
