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.
It's not finished yet, but I am struggling to find the time to finish it.
It's a bit buggy, so be patient with it (send me bugs if you find them (don't look for them!!!) at dave@bankactiongroup.co.u k - and I'll fix them when I can).
PS. If there's any PHP programmers out there that want to lend a hand, I probably wouldn't turn you away ;-)
PPS. There was one, but I forogt the username, please PM me if the offer of help still stands.
Dave - I know it's more work, but have you considered a survey to gauge the momentum of the campaign.
Basically, when approaching the bank for DPA details, did they counter with "are you going to ask for a refund," or "are you from that internet site?" type of thing.
I notice from posts that this is becoming more frequent...
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Remember that this campaign has been running at a very low level until now. When I joined the site 5-6 weeks ago it only had about 250 members. It's grown exponentially since but it's only now that my claims have to the point of issuing court claims. The banks will not, for the most part, refund these charges until they have no other choice than to pay up or go to court.
Give this another month and I suspect that you will find all the banks represented on that list and the amount of refunds will be much higher.
I was wondering about the 'stage at which refund received' bit: should there maybe be an option for 'phone call'? I've seen instances on this site where it's suggested as the first move before starting on the letters.
I actually got £100 back from Capital One a year ago, by complaining on the phone - obviously, before I found out I could get back a lot more.
Also, and this is bordering on nitpicking, I know: how about an additional 'percentage of requested refund' or something? Or does everyone get it all?
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Advice & opinions of Dave, The Bank Action Group and The Consumer 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.
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Dave, is there any way to get this survey to have a total? Every time I print an updated sheet for work's kitchen noticeboard I have to manually add it up. Such an effort!!! Lol. But I'd hate one day to get it wrong - it's in the kitchen of a firm of accountants!
Most people are not using it sadly, so it's not really a true reflection of the amount people are getting back.
However, I will add a total, but in the meantime you could cut and paste it into Excel and do a SUM.
[COLOR=olive][SIZE=1]If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.
Advice & opinions of Dave, The Bank Action Group and The Consumer 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.
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Just had a look - Halifax seem to be the best - thats good for me.
But Lloyds - what a shocker.
I think the more people do this, the Banks will have to finally give in or change their charges (not likely) or go to court!!!
But keep the good work up.
Halifax - Since 2003 £1,186 DPA Request: 24.03.06
PRL - sent Recorded 05.04.06
Letter received 07.04.06 - Thanks but No thanks
LBA - 20.04.06 Refused Money Claim filed 08.05.06
Served 14.05 Acknowledged 16.05.06 - 28 days to go WON - PAID IN FULL 25.05.06
Lloyds [/I]- Since 2000 £780.31 - DPA Request: 23.03.06
PRL - sent recorded 10.04.2006
Letter Rec'd 13.04 - Not interested
LBA - 13.04.06 Money Claim filed 25.04.06
Served 01.05.06 & Acknowledged 03.05.06. - 28 days to go
Defence received 25.05 - Here we go
Ok, what joker put a negative value in for Virgin??
;-)
[COLOR=olive][SIZE=1]If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.
Advice & opinions of Dave, The Bank Action Group and The Consumer 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.
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Add me as your friend on FaceBook - I need all the friends I can get
The survey is hard to find. Maybe you could make it a sticky and place it right under FAQ's and highlight it just like the FAQ section is highlighted?
I think that may generate more "usage" ??
There is a link at the top of ALL forum pages that says:
Have you had your bank charges returned? Take our survey: here. | Worried in case you have to go to court? Join the 'buddy' system, here (beta).
Maybe, I should make it bigger?
[COLOR=olive][SIZE=1]If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.
Advice & opinions of Dave, The Bank Action Group and The Consumer 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.
------------
Add me as your friend on FaceBook - I need all the friends I can get