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.
If they are disproportionate penalties then yes.
It applies to everything.
Look at Other Institutions - someone is even taking on Marks & Sparks!
My faith in this country's retail icons is rapidly disappearing. :cry:
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
By the way you used the word "apply" in your opening post.
I very strongly suggest that you modify your mindset. You are claiming - not applying. The money is yours. You aren't asking for permission and if you go in applying then you are cruising for a fall.
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
Emailed Lloyds TSB Credit card, current acct and Loan charge
I emailed Lloyds the standard template yesterday and got this back:
"Thank you for the e-mail, which has been passed to this office by the On-line Helpdesk.
I am sorry to learn that you are unhappy over the level of charges you have incurred on your Lloyds TSB accounts.
Under the circumstances, your e-mail has been passed on to the Manager of the Complaints Unit within Customer Care. I have asked that he notes your comments and issues and that a response is be sent you at the earliest opportunity.
Where address did you email as I'm looking to do the same. Does anybody know if its better to email the letter or send by post ? If so what address would you send to as my original branch has now shut down.
I don't think its makes much difference whether you use post or email - as long as you keep copies of all correspondance and build yourself a 'paper trail'.
As previously mentioned by others Lloyds seems to be behind with the times in using email to respond to customers so expect a letter rather than an email back.
The email address I used is contact.us@lloydstsb.co.u k but I would follow up with a copy via post as well to their office of complaints in Birmingham just to be sure.
since I no longer have an agreed overdraft do I have to have the below highlighted passage in the letter, or should I leave it blank, or should I get them to offset the refunded charges against my loan
With this in mind, I respectfully request that you return to me ALL charges made on this account in the last 6 years within 7 days of receipt of this letter by way of personal cheque. If you choose not to do so, I will start proceedings for recovery in the County Courts, as I believe that legally I am entitled to this money back. By doing so, you will be eligible for my court costs and for an extra 8% APR as allowed by the County Courts Act (1984). This money would be used in some way to clear my overdraft on this account.
In fact, I'll take it out for good in the library - I wrongly assumed that everyone would have an overdraft, caused, no doubt by the charges in the first place.
Advice & opinions of Dave and The Bank Action Group are offered informally, without prejudice & without liability.
Credit card, current account and loan charges?
, can I apply for all three?
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Originally Posted by ci