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.
Just so some of you know, complaints are handled within the 12 week period set down by the fos, FSA and standard complaints procedure. Even if you give 14 days, you have no legal right to impose your own timescales on the procedure. Cases are handled as fast as they can, and i can guarantee you, people are working their arses off to sort these out.
not as quick as their automated charges though eh!
Halifax Credit Card - £408.16 - Settled in FULL 26/6/06
Halifax Loans - £397.97 - Settled in FULL 25/8/06
GE Money Topman £216.75 - SETTLED IN FULL
Marbles LBA - £475.00 - £250 Offered
Halifax Current Account LBA - SETTLED IN FULL
Yorkshire Bank Current Accounts £2271.77 - Issued 30/6/06 - Default Judgement Issued - Warrant of Execution Requested
Capital One - LBA - £88 Knocked of Balance
Egg PPI - LBA
Just so some of you know, complaints are handled within the 12 week period set down by the fos, FSA and Halifax standard complaints procedure. Even if you give 14 days, you have no legal right to impose your own timescales on the procedure. Cases are handled as fast as they can, and i can guarantee you, people are working their arses off to sort these out.
I take it you have first hand knowledge ?
I have always maintained that on the whole Halifax have been dealing with things quite well,especially when you consider other banks.
I do however feel that they should have realised,once the claims started coming thick and fast,that normal operations would be affected unless extra resources were put in place to deal with them.
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
if you are a bank employee you need to pm Dave or Bankfodder as the terms and conditions state when you signed up for your account
Halifax Credit Card - £408.16 - Settled in FULL 26/6/06
Halifax Loans - £397.97 - Settled in FULL 25/8/06
GE Money Topman £216.75 - SETTLED IN FULL
Marbles LBA - £475.00 - £250 Offered
Halifax Current Account LBA - SETTLED IN FULL
Yorkshire Bank Current Accounts £2271.77 - Issued 30/6/06 - Default Judgement Issued - Warrant of Execution Requested
Capital One - LBA - £88 Knocked of Balance
Egg PPI - LBA
Halifax Credit Card - £408.16 - Settled in FULL 26/6/06
Halifax Loans - £397.97 - Settled in FULL 25/8/06
GE Money Topman £216.75 - SETTLED IN FULL
Marbles LBA - £475.00 - £250 Offered
Halifax Current Account LBA - SETTLED IN FULL
Yorkshire Bank Current Accounts £2271.77 - Issued 30/6/06 - Default Judgement Issued - Warrant of Execution Requested
Capital One - LBA - £88 Knocked of Balance
Egg PPI - LBA
Well, if you want to follow that line of argument, no one would be allowed to run subscription-only websites and no one would be allowed to have password-protected pages online.
I have moved these posts to a seperate thread as it is unfair on Gooner to hijack his thread.
Originally Posted by One of Them
No, thats exactly the line i was going at. It's publicly viewable. Therefore i have committed no crime.
Yes the site is publicly viewable. However, you haven't just viewed the site - you have registered and made posts. By registering, you agree to the forum rules, which state bank employees must gain permission to use this site.
If you don't like the forum rules, you don't have to stay here.
Originally Posted by One of Them
I don't want an argument here, i was only interested in what people thought, i'm not here to pick fights or anything, jeeze.
The comments you are posting and the way you are posting them make it quite clear that you are trying to antagonise other forum users and start arguments.
If you wish to continue to use this site then contact a Moderator or Administrator to request permission to do so.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
oneofthem- I know where you're coming from in terms of why post to an admin and it is on the forum rules. So I ask you one question, are you hear to help people on the forum?
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
oneofthem- I know where you're coming from in terms of why post to an admin and it is on the forum rules. So I ask you one question, are you hear to help people on the forum?
I think if people were aware of the correct way to register their complaints and get things moving swifter, there would be less upset people.
For a start, send all your complaints to customer relations, they'll get scanned onto the system straight away and wont be held up by some [edit] branch manager. You cut out the middle man and they'll go straight to the people reviewing your complaint.
I wont go into specifics of how the internal systems work, but just that its outlined in the leaflet you recieve about complaints procedure.
Oh, and that we're actually really nice. You never know. You might end up speaking to one of us.
[MODERATED: No need to make offensive comments regarding bank staff]
Can i just state, again, i wasn't talking about you getting any information from a bank, i was talking about my legal right to read whatever the hell i like on the internet that is not specifically and securely away from my view."
You don't have a legal right to read anything on the internet, anymore than one has a legal right to read billboards in the street,you have the ability to read it because it's there for all to see.
Originally Posted by One of Them
That statement in the rules is the same as me putting a webpage up saying "You have just viewed my webpage, you now owe me £20, please pay promptly"
Not quite, nobody's asking you for £20 here, it's all free.
The freedom of information act references shows some degree of understanding.
One of them clearly demonstrates a level of expertise in this field,I wonder if the same level of knowledge extends to questions regarding bank penalty charges.?
Perhaps you could explain in the same detail as you talk about freedom of information,why the banks do not appear to see fit to reveal how they calculate their charges......whilst still maintaining they are fair ?
Is it not the case that a customer has a right to see the Breakdown?
And if thats not the case then where is the banks arguement......put it on the table then.
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
I know the freedom of information act because im a student in a 'related' field.
With regards to the charges, i dont know why they cant release them other than they are commercially sensitive information, which from what i can gather is a competition thing.
Re: gooner3900 vs halifax
, FSA and standard complaints procedure. Even if you give 14 days, you have no legal right to impose your own timescales on the procedure. Cases are handled as fast as they can, and i can guarantee you, people are working their arses off to sort these out.
Reply With Quote
Originally Posted by One of Them
Sorry i couldn't be of much help.
