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 posted a new thread before but could not see it as a thread after i went back so i am not sure if i posted correctly.
Will explain again and apologise if it is on twice!
This site is fantastic! and i am looking forward to claiming my money back from Bank of Scotland who have been my enemies for years.
My money problems started when my first husband was killed in an accident. He was main wage owner and i lost everything, my house, my car, and even our 2 dogs. I spent years trying to rebuild my life but my finances were not good at times and was being charged constantly and was never given any sympathey when i explained my situation. I was 7 months pregnant when i lost my husband and we had a 5 year old son also. I have continued to bank with them because my credit rating went down the toilet so could not get another bank account. My finances are a little better now, i run my own business and i do still have hard times and my friends at Bank of Scotland always making sure i know it!
Some quetions i have
1) I typed out the first data protection letter out today, is this ok or do i need to put it in my own writing?
2) Regarding the £10 fee, silly question but how do i send it, is it best to send a postal order or a cheque (bos cheque) I read somewhere on here that you can request the statements etc by phone and they take it straight out of my account, is this this true or would it be better to send the data protection letter?
4) During my time with the bank (14 years) i had account in my sole name, then a joint account with my first husband and then a sole name acount again after the accident. They also changed my account to a basic one because of my problems, as far as i recall i kept the same account number. I also changed my name by deed poll few years ago and my bank account name was changed. Considering all the changes is it resonable to expect statements for whole 14 years including a previous joint account?.
5)I lived in Scotland when i opened the account and my branch is still the one in the village i used to live. I have lived in England for 6 years. Could there be any problems with this as far as courts are concerned i.e which court will i need to go to England or Wales? or both?
6) I was reading i the notes regarding the first dat protection letter. It says to make sure i send all details the bank need to identify me otherwise they are not obliged to reply, what details would i need to give them?
7) I also have a business account with them that i have had lots of charges on too, can i claim for them or is it a different system?
Sorry for long winded email, i do have a good idea of how the procedure goes - i think!! Oh and i am blonde!!
England V's Bank of Scotland - help needed please
before but could not see it as a thread after i went back so i am not sure if i posted correctly.
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