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.
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IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU
I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU
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IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU
I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU
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Re: Relevant to readers of this forums also !!! FSA Fines GMAC - Excessive Fees !!
Hi 42man
My wife and I are currently in arrears with swift, do we just contact the FSA and complain, obviously,after we find out from swift what "fees" and "charges" we have accumulated?
any tips/templates to use etc... would be much appreciated.
Re: Relevant to readers of this forums also !!! FSA Fines GMAC - Excessive Fees !!
Hi Doc
Swift are not quite so forthcoming when letting you know about their charges. I was only £1,000 in arrears and in less than six months managed to tot up £1,365.00 charges. Even though I send a cheque in part payment of £550.00 they do not reduce their charges.
Re: Relevant to readers of this forums also !!! FSA Fines GMAC - Excessive Fees !!
I think you'll find with this FSA ruling today, that they will find it incredibly difficult to convince a judge otherwise that their fees are justifiable !!! £21 for a letter ???!! I don't think so....and a monthly 'fee' of £70...??!!
PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.
IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU
I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU
IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.
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IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU
I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU
IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.
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IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU
I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU
IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.
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Re: Relevant to readers of this forums also !!! FSA Fines GMAC - Excessive Fees !!
If GMAC have been fined for charging unfair penalties then I think the same rule should be applied to all the institutions sub-prime lenders and all high street lending mortgage companies too.
Blemain Finance charge £35 a letter and according to their terms and conditions they are justified to send a maximum of 4 letters a month. I think this latest victory should be taken full advantage by all those who have dealings with swift, first plus blemain and all the other secured loan companies that think it is alright for them to charge their customers these extortinate penalties when they fall in to arrears.
GMAC are a sub-prime lender and this is a very good first step taken by the FSA, let's hope this will be the first of many victories for the consumer. Like I said this should be a vital key point for everyone not matter what company they have their loans or mortgages with, to be able to have the right to raise a very good argument about being charged such high penalties for arrears, returned direct debit and anything else they feel is wrong.
Re: Relevant to readers of this forums also !!! FSA Fines GMAC - Excessive Fees !!
I can't agree more with you FF....I think those who have been subjected to these kind of charges, should feel bullish about this excellent move by the FSA and the opportunity to get sub prime lenders to refund all the excessive charges + contractual interest......Especially so that the FSA have said this move is a message to others !!!
PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.
IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU
I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU
IMPORTANT - 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.
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Re: Relevant to readers of this forums also !!! FSA Fines GMAC - Excessive Fees !!
I have tried looking on the FSA website to see where I can complain to them about swifts extortionate charges, however all I can find is how to complain about the FSA.
Do they have an online complaints area?
I think its great to say complain complain complain...but the question should be, for me, that is, HOW??
IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU
I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU
IMPORTANT - 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.
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IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU
I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU
IMPORTANT - 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.
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IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU
I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU
IMPORTANT - 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.
Re: Relevant to readers of this forums also !!! FSA Fines GMAC - Excessive Fees !!
That is better....still a bit hard to read in some places, but there again Swifters will probably have these....(it would also be interesting if anybody has some which are different !!!)
PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.
IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU
I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU
IMPORTANT - 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.
Re: Relevant to readers of this forums also !!! FSA Fines GMAC - Excessive Fees !!
Hopefully I will receive my refund before the Xmas meet... if so drinks on me! I estimate GMAC owe me about £8k... they claim I 'owe' them £5k in a shortfall so I think I should get about £3-4k back.
Re: Relevant to readers of this forums also !!! FSA Fines GMAC - Excessive Fees !!
Right, I have my most recent statement from Swift, 6,000.00 in charges. Should I send a copy of this to Margaret Cole. We know Swift will say that we signed up and were given a copy of their tarrifs, but I can not say I remember receiving this when Central Credit organised my mortgage with Swift.
Relevant to readers of this forums also !!! FSA Fines GMAC - Excessive Fees !!
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