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'm hoping that this is going to be nothing in comparison to what myself and Mindzai are going through at the moment with Lloyds, but unfortunately I've made a couple of minor mistakes with my Cahoot and Smile accounts which means I need to begin this whole process with them.
A couple of months ago I went about £10 overdrawn for one day in my Cahoot account after a payment took a day longer to clear than I expected. So I received a £30 charge and, after contacting them to ask if they would cancel the charge and getting told that they wouldn't, I made sure that I had the money paid in to cover this charge. Now on my latest statement I've seen that I'm going to get charged another £30 on 18th October because my account was overdrawn by £2.24.:o I hadn't realised that my account was overdrawn at the time and had obviously made a mistake. But as I knew that they wouldn't cancel this charge I decided that I best get a preliminary letter emailed to them in the hope that they will pay attention. At the moment I will not have the money to be able to cover this charge when it's taken and so will be taken overdrawn again and the long cycle will begin.
I emailed the prelim letter to contact.us@cahoot.com on 6th October and have asked them to refund the original £30 charge and to cancel the £30 they intend to take on 18th October. So I'm keeping my fingers crossed and am hoping that because it's a relatively small amount that they will go ahead and do this without too much trouble.
Well after two weeks of hearing absolutely nothing from them I have just emailed my lba. Since my prelim email they have taken a further £30 charge which I have now added on to the total. I have also pointed out that section 15.3 of the Banking Code requires them to give a written acknowledgement of customer complaints within 5 working days of receipt - so have prompted them to at least do this on this occasion.
Lucid
Mindzai & Lucid vs Lloyds TSB *Won unconditionally with contractual interest (29.85% compounded) Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65
*All settled in full - 6/2/07
*Hearings - 7/2/07
*Prelims sent - 9/8/06
_______ GOT A COURT DATE? A guide to the later stages
Lucid vs Cahoot
, but unfortunately I've made a couple of minor mistakes with my Cahoot and Smile accounts which means I need to begin this whole process with them.
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