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 am at the final stage(i hope) of trying to reclaim my illegal bank charges. I was alerted to the huge greed of the bank when they charged me £420.00 just for one month's returned direct debits and overdraft excess fees. I would never have got to that point if the bank didn't ruin my credit by withholding information about the payment in full of my Lloyd's Tsb credit card. It took me 3 months to get them to update my credit file! Consequently I couldn't get credit anywhere, which had a knock on effect to my bank account. Yet Lloyd's Tsb not only don't care about a customer who's been with them for 15 years, but also have no useful or clear complaints procedure.
little village in wales no point putting it here no-one would have heard of it
Posts
1,476
Re: Bank greed!
Hello and Welcome - and well done!!!
First of all don’t panic - you will soon have your money back in your hands where it belongs!!
Yes…you can claim back your charges, even if you were late paying, even if you went over your limit and even if your DD Bounced!!!
Remember the banks have acted unlawful you haven’t!!!
Before you start anything make sure you read the FAQs and as many threads as possible as there is a wealth of information on here!!
Before you begin, make sure you start your own thread in the bank forum you are claiming against. Here you will have other “experts” who know how that particular bank reacts. As you have already posted this one, I assume you already know how to do that!
First of all, if you haven’t already, you need to get hold on your statements. You do this by sending them SAR letter. Remember you can claim back for the past six years, including closed accounts, mortgage, credit cards, car finance, loan accounts and even accounts that are with debt collection Agencies and bailiffs!!!! http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/516-1-data-protection-act.html
If you already have your statements then you can start by sending them the Prelim letter. http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html
Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month.
If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action. http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/5078-10-data-protection-act.html
If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me and I will be happy to help you.
Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!!
Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do!
Good Luck
Allyxia
KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH
The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains
HSBC £1200 - Settled in Full Cap 1 2 X £100 - Settled in Full Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order NatWest £2215.60- Settled in Full and Removed Default Natice Woolwich £3690 - Settled in Full
Bank greed!
excess fees. I would never have got to that point if the bank didn't ruin my credit by withholding information about the payment in full of my Lloyd's Tsb credit card. It took me 3 months to get them to update my credit file! Consequently I couldn't get credit anywhere, which had a knock on effect to my bank account. Yet Lloyd's Tsb not only don't care about a customer who's been with them for 15 years, but also have no useful or clear complaints procedure.
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