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 have just recieved a letter from FD totaling charges to be added on 10.10.06 of £110ish. This is because I went over my overdraft (£30 charge), they paid 3 bills while over my O/D limit (3 £25 charges = £75) and debit interest (£4). Now I know I went over my limit (struggling a bit at the moment) but it has lead me to believe it is excessive charging and thats why I've come here.
I am now just completely fed up of them as its not the first time. I did phone them and ask them to consider the charges but they say 'terms and conditons blah blah blah. When I told them these charges would again take me over my limit they didn't really have an answer as to what I could do apart from speak to there 'credit department'.
Anyway I have decided along with my wife (she has had same problems) to pursue the matter and start with the S.A.R. but can't seem to find who to send it to, as a lot of you have already done this could you please reasure me I'm doing the correct thing and also give the best name and address to send it to.
Many thanks in advance.
P.S. Thinking of doing Yorkshire Bank aswell, why do they all take from the poorer end of the scale
I have always forund them quite reasonable, they have funded a couple of charges for me and increased my overdraft temporarily while I got through a sticky patch, but a penalty charge is a penalty charge - good luck with it!
I did ask them about refunding charges but they catagorically stated that "We will only refund if the error was First Directs". Also when I mentioned about the £12 cap in charges they said it was untrue and that it was in my T&Cs
I know the address given is on my switch card and I presume they would pass it to the relevent department but I just thought someone on here might have the name and address of the department that would actually deal with S.A.R.s so there is less chance of delay or loss.
My appraoch has been to send all my letters recorded delivery, and not to a named person or department.
All have found thier way to the relevant people.
By putting a name of dep't on the latter they could (as seems to happenn regularly with soem organsiations) they claim they have not recieved an item or it has gone to soemone who has left, holiday, sick and any other excuse they come up with.
Let FD sort out who it needs to go to.
Stick with it. Read the FAQs for the process - it's simple but does need an investment of your time to follow it through. You will win, so hold out for every penny taken illegally from you.
Sent with the pleasure of having seen £3310.99 credited yesterday :o
Hi, i'm new. FD help required
(£30 charge), they paid 3 bills while over my O/D limit (3 £25 charges = £75) and debit interest (£4). Now I know I went over my limit (struggling a bit at the moment) but it has lead me to believe it is excessive charging and thats why I've come here.
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Re: Hi, i'm new. FD help required
