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.
Here is a letter I received a while ago (2007!) after I wrote to request a refund of charges
Marbles
PO Box 3607, Birmingham, B1 2XJ
Mr tedney
00/00/2007
Dear Mr tedney
Re: Account xxxxxxxxxxxxxxxxx
Thank you for your letter dated 00/00/2007. I have now fully investigated the matters raised.
Default charges are charges payable if customers do not make the required minimum payment by thepayment due date, if they exceed their credit limit, or if a payment to their credit card account is returnedunpaid. The amount of these charges, and the circumstances in which they are applied, is set out clearly in HFC Bank's credit card agreements. We believe that HFC Bank's charges to customers are fair and reasonable.
The OFT has recently published the findings from its enquiry into default charges on credit cards. HFC Bank has carefully considered the OFT's publication and does not accept its findings. However, the OFT's
investigation has led to a change in market practices and HFC Bank has therefore decided, for commercial reasons and in the interests of customers, to reduce its credit card default charges for the future.
These changes do not affect charges that have already been applied. Accordingly, I regret that we are notprepared to make any refund of default charges or provide any compensation payments. I hope I have beenable to clarify HFC Bank's position on credit card charges.
Thank you for taking the time to contact me to bring this matter to my attention, I am only sorry it was necessary for you to do so. I hope that matters have now been resolved to your satisfaction. However, should you require any further assistance, please do not hesitate to contact me on 0121 2I4 5841 or write to rne at the above address.
Customer Relations Manager
Executive Complaints
The account has allegedly been past to Phoenix, what is the best way to proceed please, should I pursue Marbles for charges and interest? I know I have left it a long time, but I am only now getting to grips with all the outstanding accounts I have
Marbles Card Charges
? I know I have left it a long time, but I am only now getting to grips with all the outstanding accounts I have
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