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.
Submitted letter to Bank of Scotland on 9 August 2006 for £930 back in bank charges- no response.
Followed up with call to complaints department on 30 August 2006 - told to send an email. Email followed on 30 August 2006 - no response.
12 September 2006 - followed up with call to complaints call centre again. Got told that case would be assigned.
14 September 2006 - received phone call from bank offereing part payment of £303 for the highest 6-month period of charges over last 6 years - offer declined.
16 September 2006 - received letter from bank stating that I refused goodwill gesture and that I could take complaint up with Financial Ombudsman Service.
19 September 2006 - sending 2nd letter to bank stating disappointment at their offer...update to follow. Fingers crossed.
1/9/06 RBS claim #1
8/11/06 - claim settled
17/11 claim #2 started - incl creditcard
30/11 - CC statements received
31/11 - Prelims issued - RBS paying up, only M/C to go)
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Thanks everyone...should have said that letter 19.9.06 was the lba - still gettin used to all the terminology. Sent my letter Recorded Delivery....no excuse for saying that they haven't received it.
Today I received a phone call from Halifax re my claim for bank charges. They received my letter stating that I was not happy with their offer and they I would submit a court claim if they did not respond to my request.
The lady I spoke to said that their offer (1/3 of claim amount) was final. I said to her that I would now be filing a claim against them.
Help...I am not sure what to do now. I live in England but claim is against the Bank of Scotland, but it was a Halifax customer complaints representative that called. The offer letter re my complaint was sent from Bank of Scotland, Scotland.
Should I claim through the English Court system? If so, should I use the Halifax address in Leeds? Im not sure what I should do....your comments would be much appreciated.
Black Isler v Bank of Scotland
on 9 August 2006 for £930 back in bank charges- no response.
and that I could take complaint up with Financial Ombudsman
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Originally Posted by johnburns
