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.
I always pay my monthly mortgage instalment to The Woolwich by Building Society cheque posted to Leicester.
On the back of each statement it says "...you can also pay at any branch of Barclays Bank.." In December I did just that and paid in over the counter at my local Barclays branch. I obtained a stamped counterfoil/receipt which showed my mortgage account number.
Early in January I received a notice of arrears and upon telephoning Woolwich customer services they tell me that the cheques I paid in at Barclays branch had not been received by them at mortgage collections. They told me I had to provide proof it had been sent by the branch to them!
On reflection I wrote to Woolwich mortgage collections as well as the Barclays branch saying that the cheques had cleared, that I had their stamped counterfoil which for me was adiquate proof, and it was both beyond my ability and not for me to prove their internal systems for transferring funds. I have not had a response.
Am I right in adopting that approach?
How long should I leave it before referring the matter to the fos ?
I read somewhere that once referred to the FOS a fee has to be paid by the bank. Is this correct.
Any advice would be much appreciated.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Woolwich mortgage.
instalment to The Woolwich by Building Society cheque posted to Leicester.
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