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.
Im a new user to your site, and I'm very excited at me attacking the RBS for all the charges they have taken from me. While I've worked the total charges to be only 450 quid, this is so so so much money to me since I'm a poor student
So, I am needing a few pointers on the process regarding my application to get back my money.
I've gone through all my bank statements, and highlighted all of the unlawful charges the bank applied to me. I've also started a letter explaining my position and that i want MY money back. Do i post this letter to RBS head office? Or my local branch?
Ive been reading through so many cases posted by others, and I'm left feeling slightly confused by all the lingo that is circulated (I.e. lba?). Any chance anyone could clarify things with me? Thanks for reading my new thread!!!!
Now one last question, i take it with the prelim letter, you need to attach a copy of all your statements highlighting the amount and the date of the charge? And where is the most effective place to send the letter, my branch, or the RBS head office? (actually that was two questions... )
branch or head office is fine It'll still end up being delayed
As for the statements read the FAQ's use the spreadsheet
This may take longer than you imagined and also may have other effects.
So
1 Are you sure that you want to take this on?
if yes read the FAQ's again and again
read some other threads to see what might happen, to get prepared
get your template letters ready and stick to YOUR timescale not theirs
2 Get Another bank account. the might get p*ssed off and close yours
3 Be prepared to fight it all the way. it may go to court, but they won't
4 It's YOUR money YOUR choice
rgds
Dave
** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **
see you stand like greyhounds in the slips,
Straining upon the start. The game's afoot:
Follow your spirit; and, upon this charge
Cry 'God for Harry! England and Saint George!'
If you think I have helped, informed, or amused you do the clickey scaley thing !!
Also you may be able to avoid the fees as you are a student however I wouldn't know too much about this. Also worth talking to your local Citizens Advice Bureau maybe before you start.
I didnt use the spreadsheet template, just copied and pasted from my online statements into an exel page added up a total and sent it in with my letters. However if I do get to money claim stage I will claim interest and use the spreadsheet, wont be much as my charges only started Feb 2006.
I would recomend to take things into the branch, but get photocopies and ask them to sign and date reciepts for proof, also stick to all dead lines don't let them go one day over deadlines or they will take the pi** stick to your guns if they don't reply just go straight the conty court they wil know you ean business
Duffy Vs RBoS
for all the charges they have taken from me. While I've worked the total charges to be only 450 quid, this is so so so much money to me since I'm a poor student
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If you think I have helped, informed, or amused you do the clickey scaley thing !! 