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.
going to send lba tomorrow as no reply from prelim letter to Abbey. Does anyone know if should send letter to Ombudsman? If so what sort of letter and when? Thanks
This is my opinion only, but I think it's a waste of time contacting the ombudsmen. They must be blind, deaf and dumb if they're not already aware of all the cases against the banks.
Just sue them and if anything really exceptional happens, go to the media with the story.
Abbey - Won DPA Claim - Aug 06 and got bailiffs in to recover my court costs of just £30.00 Abbey - Won Charges Refund of £1050 - Nov 06 Egg - Recovered £220 due to Customer Services misinformation - Feb 2007
Nat West - Prelinimary Letter to recover on Credit Card charges £30.00 sent March 2006. £25.40 offered - rejected and the bank reckons that this is it's last word on the matter. We'll see if that's still the case when it reads my N1 form sent recently. It has until the 17th April to respond or the N1 will be submitted.
I think you should let the 'Ombudsmen' know that we are aware that he is not protecting the public from the 'robbing banks'. I have sent this email today:
Dear Sir
My family bank with the Abbey.
My wife and I are very distressed that we have incurred charges of £20.00 for being overdrawn for 1 day. This overdrawn amount was incurred when Abbey paid adirect debit; consequently, we had an additional charge of £30.00. We feel that Abbey should have acted in our best interest and not paid that Direct Debit. We would have preferred to have sorted this ourselves, rather than paying £50.00 in charges, plus the higher interest rate whilst overdrawn.
In our opinion (and the majority of people in this country) the charges are excessive; Abbey’s action is unreasonable and tantamount to robbery. Subsequently we will be making a claim against the bank.
We are disappointed that you have not taken proceedings to stop this form of legalised robbery. We are not going through the Office of the Financial Ombudsman as we have no confidence in him.
We are aware you receiving 150 complaints per week, The Consumer Action Group is receiving 4,000 complaints per week. In which of these two organisations do you believe the greater public confidence reposes?
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