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.
It would take me a day or more to document my fight and loss against Amex and the Final Charging Order result. However, just as I thought things could not get any worse, I received a very threatening card through the door yesterday. It appears the local court bailiff popped around to remove my goods for the same amount of the Final Charging Order and in Amex's name. Seems they want the money twice!
On phoning the helpdesk (because now you can't phone the local court), they said the onus is on me to tell the court that they should tell Amex that they should not have done this! She also said that it isn't up to the court to check that Amex have done something wrong (even though they have the court case number and all the details of the Final Charging Order) it is my responsibility. So hold on, you have all the information but it's still my fault? How does that work?
I want to go after Amex for the stress and pain they have caused me not only in this instance, they owe me the same amount as the Final Charging Order in PPI payments which they refused to pay back. My first action will be to write to the local court and inform them that Amex have no right to go after the money again but I would love to not only get the Final Charging Order removed (by redirecting the PPI refund) and sue them for the complete shambles they've made of my "financial" life but I would also like to just for once get the better of this awful company!!
From what I have been reading, Amex cannot go after a debt that is a Final Charging Order. Can you confirm this please? I need to send a letter to the court today and tell them this and I need to know what wording to use.
As per my conversation with the Court helpline and their advice, I am sending you this letter to confirm that the above reference refers to a debt that is a Final Charging Order, details below and this should not be a warrant for another CCJ or follow up on this debt as no payment arrangements were made or enforced as part of the Final Charging Order so the warrant should not have been issued and I respectfully ask that you inform the Claimant.
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
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MadKit v American Express
and the Final Charging Order result. However, just as I thought things could not get any worse, I received a very threatening card through the door yesterday. It appears the local court bailiff
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