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 wrote to mint asking for my late payment fee back and they've said no.
'Dear Mrs D
Thank you for your letter of 21st March 2006 and I apologise for any dissatisfaction caused by the application of charges to your account.
We believe that our charges are fair, reasonable and transparent. We consider that the amounts debited to your account have been applied strictly in accordance with your agreement with us and our published tariff, which we are satisfied, complies with all applicable laws and regulations. We are also commited to ensuring the transparency of the information that we give to our customers about the operation of our products.
Against that background, we must differ from the views expressed in your letter. Accordingly, the charges that have been applied to your account must stand.
However thank you again for taking the trouble to write.'
Click on the above link to place your order - payment by Paypal.
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Advice given is purely my opinion, and is not based on any legal training.
The banks play on the fact that it's only 20 quid here - 40 quid there - 120 the next month.
Remember this adds up to 3.5 billion quid!!!
They are not legally entitled to the money.
YES, it's worth pursuing - everyone should do this. The banks need to be shown that they can no longer push-over the push-overs.
The banks make quite enough money legitimately without having to resort to underhand, unlawfull tactics to penalise people who can least afford it.
Make it your mission to get the 20 quid back!
It's one in the eye for them, and one in the pocket for you.
£20 is almost a meal out - it's certainly a take-away that you may consider not having because you can't afford it.
Everytime I have a take-away, I think "can I afford this?" - the answer, in your case is "yes".
Get the money back and have a curry.
;-)
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Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.
Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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Mint say no
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Re: Mint say no
