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.
This forum is in BAG, so is presumably restricted to bank charges and bank behaviour issues.
Would it be possible to have a Campaign forum in CAG?
I would be pleased to start it off with my own hobby-horse, 'certificatedbailiffs and Councils'. There is a crying need for stringent regulation in this field and I would welcome the opportunity to get a campaign under way.
Watch this space for discussion about these issues. We are very aware of this issue and it is being discussed among mods and site helpers to see what should be done.
BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.
If you win, donate to this site
Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.
There is also another 'consumer' type thing in the wings - I should have had this finished by now, but due to unforceen circumstances, I am only just starting work on it again.
It's like a 'credit scoring device' for the companies.
It seems unfair that they can affect our rating, but we cannot do a thing in return when they c*ck-up or leave us out of pocket.
The balance needs to be redressed.
Watch this space!
[COLOR=olive][SIZE=1]If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.
Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.
Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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There is also another 'consumer' type thing in the wings - I should have had this finished by now, but due to unforceen circumstances, I am only just starting work on it again.
It's like a 'credit scoring device' for the companies.
It seems unfair that they can affect our rating, but we cannot do a thing in return when they c*ck-up or leave us out of pocket.
The balance needs to be redressed.
Watch this space!
Dave your PM bin is full & I would like to send you a message if poss
[COLOR=olive][SIZE=1]If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.
Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.
Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
------------
Add me as your friend on FaceBook - I need all the friends I can get
The current Watchdog is a very poor relation to it's original.
Its all about photo opportunities & rushing about trying to look like they care. How many times have we seen company bosses who have visited the studio being let off the hook because bill & tracy want to move onto the next segment.
At least when Ann Robinson was on the program she took no prisoners & you could see Her getting madder & more strident by the minute if they obfuscated.
Sadly, IMHO you understand, Which! is the same. There is no consumer 'champion' any more.
[COLOR=olive][SIZE=1]If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.
Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.
Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
------------
Add me as your friend on FaceBook - I need all the friends I can get
I think it needs to be stepped up considerably before the word 'champion' comes into it.
Ideas are greatly received as to how we can acheive this.
[COLOR=olive][SIZE=1]If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.
Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.
Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
------------
Add me as your friend on FaceBook - I need all the friends I can get
I wrote the following letter to my MP recently on the subject of bailiffs/Local Authorities
Dear Ms Cooper,
I am writing to you as a concerned constituent, to tell you about a problem of which I have become aware in recent months. I am a member of a forum which deals with consumer issues and which is becoming increasingly pro-active in lobbying for the abolition of unfair and/or unlawful practices.
The problem is the unscrupulous and often unlawful actions of bailiffs who are appointed by local authorities to collect overdue, unpaid council tax and parking fines.
As you will know, bailiffs appointed by local councils are required to be certificated and are licensed to practise by their local county court. Fees that are to be charged by certificated bailiffs are governed by a published scale.
Many certificated bailiffs are displaying a complete disregard for the rules relating to their approach and dealings with debtors. Abuse of the system is widespread, resulting in debtors being intimidated, misled, harassed and overcharged.
Most debtors are already in dire financial straits, meaning that the additional burden of exorbitant bailiffs’ fees is unbearable. Many of these debtors are in especially vulnerable categories, such as single parents, those in receipt of DLA, the elderly, family carers and the educationally disadvantaged.
Another disturbing aspect of this problem is the role of the local authorities or councils. There are many examples of councils apparently shrugging off their responsibilities once debts have been handed over to their bailiffs. Bailiffs in many areas are allowed to engage in debt collection with no apparent control or audit from their employers, the councils. Codes of conduct, such as that published by Manchester City Council, are few and far between.
I appreciate that you have many parliamentary interests but I hope that you will be sufficiently concerned to require more information. Anecdotal evidence is readily available. I would be pleased to expand on this topic when you next hold a constituency surgery.
Yours sincerely
Elsinore
I recently received this reply
Dear Elsinore,
Thank you very much for your correspondence regarding the practices of bailiff companies employed by local authorities for debt collection.
I am in agreement with you over the need for better and more effective regulation of Bailiff Companies.
In the first instance I have written to
Vera Baird QC MP Parliamentary Under Secretary of State for the Department of Constitutional Affairs.
Phil Woolas MP Minister for Local Government and Community Cohesion at the Department for Communities and Local Government.
The Chief Executive of your District Council
The Chief Executive of your County Council
Once I have received responses from each organisation I will be in contact with you again.
Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!
hello all im in the thick of it !, iv been using the site amongst others to further my case(s) and im heading towards the final stages of claiming the money the banks stole from me over the past years, the most stubbern seeem to be the ALLIANCE & LEICSTER along with the HILIFAX C/CARD. Im now at the court stage and would like to here from anyone who has taken either of these 2 to court and what results they have had.
I had a success with the credit company BRITSH CREDIT TRUST , who upon the threat of final action e.g. court ! called me and between us sorted out what i wanted and also offered to correct my credit record, they were very good about it, which is nice but one thing i would like to know why didnt sort it in the first place would have saved everyone a lot of time and trouble. Winniing this is just the start for me but it has given me a lot of encouragement to continue, thanks for taking the time to read this any suggestions welcme regarding the court matters,
regards Paul
Hello Paul, we're all with you in your quest, but you really need to post in the right places to maximise the help available to you.
For example, start a thread in the Alliance & Leicester forum for your dealings with that company. There you will find other A & L claimants willing to share experiences and offer assistance.
While you are waiting for things to happen make sure you read the FAQs and all the other guidance threads.
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Originally Posted by dave
bank chargres, 1 down loads to go !!!!!!
