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.
recieved this letter today after writing to them requesting my charges be refunded
Dear XXXXX
Thankyou for your letter dated 12 March 2006. I apologise for the delay in coming back to you.
With regard to your request for a refund under Common Law, Statute and recent Consumer regulations. We don't belivev that Abbey's charges are unfair under these.
When you opened the account with Abbey, you were provided with terms and conditions that detailed the charges that become applicable should you breach the terms of the account. Abbey is up front and transparent about all its banking charges as set out in the tariff of charges.
Abbey's bank account is good value and our charges compete fairly with other banks.
For most people, banking is free and they don't incur penalty charges.
If the complaint escalates into a claim in the county court, we will review each case individually, and if we feel that our relationship with our customer has broken down completely, we may give notice to close the account under the terms and conditions.
An investigationof the charges relating to your complaint has been carried out. As they've all been pplied in line with our current tariff of charges and haven't arisen as a result of a proven Abbey error, no further refunds will be applied.
Please be assured I've carried out a full investigation for you and I hope you feel I've offered a fair response to all of the issues you've raised. I'll keep your file open for the next eight weeks and if I don't hear from you within that time, I'll assume that everything is resolved and will close your file.
If you remain dissatisfied though, the leaflet you'll find with this letter explains your rights and how to take your complaint further with Abbey. The leaflet also explains your ultimmate right to refer your complaint to the Financial Ombudsman Service.
That's the standard response letter. If you know what your charges are (ie you don't have an outstanding DPA request) then the next stage is the letter before action. Please have another look at the FAQs and, in particular, the step by step guide as things get really quite serious from here on.
Letter From ABBEY
's charges are unfair under these.
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