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 finished my letter claiming £1328 in charges over the last 5 years, i'm quite surprised how much it is, all those £28 here and £35 there sure add up!!
Anyway I sent them the initialletter asking for the £1328 and sent them a Breakdown of the charges and dates they were charged to my account (i hope thats right!).
I've posted the letter recorded delivery to:
Royal Bank of Scotland
Senior Customer Relations Manager
The Forthstone
56 South Gyle Crescent
Edinburgh
EH12 9JN
Fingers crossed i will hear back in the next 14 days!
Its wierd, but i actually like the Royal Bank...though i don't like them enough to give them £1300!!!
I recieved a letter from the Royal Bank today explaining that the charges were fair and transparent and that they would not refund them.
I sent a reply (the lba letter) today. I'm not 100% sure if i should have left it another 7 days before sending this or not. On my understading in the first letter i gave them 14 days to respond, as they responded (even though it wasn't positive) I can send off a letter saying im not happy with their response!
Is that right?! I hope so!
I have been reading through the progress of everyones claims and think it is an amazing form of 'People Power'. The support offered by people in this forum is great and very positive. I am slightly daunted at the prospect of having to go to court as i am in Scotland, the small claims process seems complicated. However, reading through the posts is giving me the confidence to continue!!
Claim against RBOS
of the charges and dates they were charged to my account (i hope thats right!).
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