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.
just posting my first message. and its hello from me.
over the years i must have paid thousands in bank charges and because ive been overdrawn for years i have been unable to do anything till now. i have sold my house through divorce procedings and have a bit of money that takes me into credit. Now what do i do next ? its Nat West who i am with.
any help would be appreciated. TIA
This will gave you the initial letter template Data Protection Act - which, if you haven't got your bank statements or list of charges going back six years you will need to make a claim.
If you read this letter you will notice that it says "please provide me with a list of charges" which is what you are asking for. If you ask for statements they will charge you £5 - £10 per statement. They will probably furnish you with these statements anyway as this is an easier way of providing that information! You will also need to enclose a cheque or Postal Order for £10 to cover the cost of this information. They then have 40 days to respond to this letter.
I suggest you use that time to read up on the process and other people's threads etc...as someone said in another thread i've just read, take your time it's not a race just make sure you do it right.
This is an amazing site and there are lots of people to help so good luck and go for it!!
Boobaby Please hit the scales if you think I've helped!
Please note that advice given is purely my opinion and should be treated as such. FAQ’s http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/
HSBC Claim - August 2006 £2,700 paid November 2006
Halifax Claim - August 2006 £4,100 paid December 2006
GE Capital - August 2006 - settled
Log Book Loans - August 2007 - sorted