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 have previously had a case on hold with Abbey regarding their unlawful bank charges but they seem to have won their case and it seemed at the time that that was the end of it all but since, i have read on this site that you can claim if at the time you were in hardship. I didnt realise this and whilst alot of my charges were being applied to my account i had lost my job and was receiving benefits. I also had to declare myself bankrupt back in 2007 due to financial difficulties.
I was also helping my parents re-claim their chrges. My mother is disabled and my dad is her carer. they were and have been receiving benefits for several years.
My question is, what is the best way to try and claim through the hardship process? Shall i contact my bank directly and explain? Is there a template available or shall i send my own personal letter explaining the situation or have i left it all to late due to them now winning their case?
How do i claim through hardship??
regarding their unlawful bank charges but they seem to have won their case and it seemed at the time that that was the end of it all but since, i have read on this site that you can claim if at the time you were in hardship. I didnt realise this and whilst alot of my charges were being applied to my account i had lost my job and was receiving benefits. I also had to declare myself bankrupt back in 2007 due to financial difficulties.
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