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.
Hi after sending my second letter (lba) demanding repayment of £965 I received a phone call from the Bank of Scotland offering to increase their goodwill refund from £120 to £325. Now I refused over the phone and she said oh well your bad luck I will send you a copy of how to contact the financial Ombudsman service. She said - 'please understand that we are not prepared to refund all of the charges that you have incurred on your account over the last six years.' I told her i would be going to the small claims court.
Can any one advise me what has the financial ombudsman got to do with this - she also mentioned that the oft statement about bank charges being unfair only related to credit cards - is this true. What do I do now?
at least you`ve had offers lol, im at the claim stage (papers served on the 9th) and i`ve had nothing, not even an acknowledgment hehe, but andrea is right, stick to your guns and you`ll soon get it all back.
The finanancial ombudsmen just deal with complaints, its a lenghy process and not worth dealing with, court is the way to go now.
Help please
) demanding repayment of £965 I received a phone call
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