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.
hi everyone, a great site and emailed to me at a very appropriate time as i am currently facing a 125 fee, which is one months wroth of charges incurred for going over my overdraft and not rectifying it quick enough!!!
i have copied below my email to the bank and then their reply. am i being fobbed off, can anyone suggest what i should do next. thanks
I am very disappointed that you were not
able to waive the overdraft charges
incurred.
It is my understanding that the
of 'fees' which you have been applying
to my account in relation to direct
debit refusals, exceeding overdraft
limits and so forth are unlawful at
Common Law, Statute and recent Consumer
regulations.
Please can I also draw your attention to
the terms of the contract which you
agreed to at the time that I opened my
account. It is an implied term of that
contract that you would conduct
yourselves lawfully and in a manner
which complies with UK law.
I am frankly shocked that you have
operated my account in this way as I had
always reposed confidence in your
integrity and expertise as my fiduciary.
I ask that you provide me details of all
the charges I have paid over the life of
my account. My husband also requests the
same (Mr x xxxxxxx).
Please supply me with a complete list of
transactions and charges relating to my
banking history with your organisation.
Alternatively, a complete set of
statements for that period will be
acceptable.
Additionally, where there has been any
event in my account history over this
period which has required manual
intervention by any member of your
staff, or any other person, I require
disclosure of any indication or notes
which have either caused or resulted in
that manual intervention, or other
evidence of that manual intervention in
relation to my banking business with you.
If you are unable to supply this data
because there has been no such manual
intervention, then please be so kind as
to confirm this in your response.
Please let me know if there will be a
charge for this information and if there
is, where the payment should be sent, or
if you can take it directly from my
account on my agreement.
If there is specific information which
you require in order to satisfy yourself
as to my identity, please let me know by
return. However, please note that the
address you hold on file is the one
which you normally use to communicate my
private business to me and which is
acceptable.
Lastly, if you are able to withdraw the
charges you intend to apply and draw a
line under this matter then please
disregard my request.
Dear Mrs x
Thank you for your e-message dated 31 August 2006.
I am sorry to learn that you have felt the need to complain about our charges.
Please be advised that the Bank's position is that all of it's charges to customers are fair and reasonable. They are contained in the published price list, and the circumstances when they apply are set out clearly in the terms and conditions of the account. In many instance, our charges are less than those applied by our competitors.
However, I have passed your request onto the relevant department who will deal with it as soon as possible. Please note that the reference number for this case is x.
The e-message service is tiresome, and using and receiving properly written letters will help advance your claim much better. Good luck
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.
does anyone have the best address to use for posting a letter to HSBC. my husband is also going to try the same. we have both been with hsbc for over 10 years, but am i correct that we can only ask for 6 years of info?
If you make a Full Disclosure Subject access request they are legally obliged to provide EVERYTHING they hold on you, and there is no limitation period on this, even if they say otherwise.
The reality is they will say information over six years old is destroyed, so you could also ask that they provide details and dates of this destruction (a processing of your personal data...!)
As for where to send it - some say the head office for customer services, whilst I prefer the local branch. Whichever you choose, send it recorded delivery.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.
advice appreciated
and not rectifying it quick enough!!!
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