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.
The Financial Ombudsman is apparently so concerned about the level of complaints re bank charges and also the lack of public confidence in his office that maybe it is about time that he was made aware of the true scale of the problem.
I would recommend that everyone writes their own letter to the Financial Ombudsman to inform him
that they are bringing a bank charges claim against their bank
that they are not going through the Office of the Financial Ombudsman as they have no confidence in him.
that although he is concerned because he is receiving 150 complaints per week, The Consumer Action Group is receiving 4,000 complaints per week. In which of our two organisations does he believe the greater public confidence reposes?
This will only need a short note. It doesn't need to be expressed well or cleverly. Just send the note.
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless
Abbey 2nd claim, two Accs - claim issued 30-03-07 Barclaycard - Settled cheque received
Egg 2 accounts ID sent 29/07 Co-op Claim issued 30-03-07
GE Capital (Store Cards) ICO says theyve been naughty
MBNA - Settled in Full
GE Capital (1st National) Settled
Lombard Bank - SAR sent 16.02.07
MBNA are not your friends, they will settle but you need to make sure its on your terms -read here Glenn Vs MBNA
Am I entitled to complain about the bank taking every penny that goes into my account, (child benefit and child tax credit), and that I have tried and tried to get them to reduce charges/understand I can't work as I am 8 months pregnant with twins... and that I can't feed my child as they are taking all my money?
NEXT - sent CCA request - 15/01/09 - not received
Capital One - sent CCA request - 15/01/09 - received CCA and also offer of £67 which I am not accepting.
NatWest - sent s.77 letter complaining about default on file 15/01/09 - *WON* Default removed within a fortnight!!
NEXT - 7/02/09 - sent further letter reminding them of breach of DP
Cap1 - 7/2/09 - Accept part payment/reminder of default to be removed
My baby is well fed and happy, my husband works full time... but the child tax credit we get and the child benefit... goes into my account and we don't see a penny of it!!!
For all they care, after the conversations I have had with them about bank charges... we could be starving! Their answer? Get another loan madam...
NEXT - sent CCA request - 15/01/09 - not received
Capital One - sent CCA request - 15/01/09 - received CCA and also offer of £67 which I am not accepting.
NatWest - sent s.77 letter complaining about default on file 15/01/09 - *WON* Default removed within a fortnight!!
NEXT - 7/02/09 - sent further letter reminding them of breach of DP
Cap1 - 7/2/09 - Accept part payment/reminder of default to be removed
We haven't got the money, so we've got to think!
Ernest Rutherford
A & L
Data Protection Act Letter sent 11/08/06
Data rec'd 14/09/06, Prelim letter sent 16/09/06
LBA sent 22/09/06, MCOL 6QZ68670 issued 2/10/06 - chq for £6,375.34 rec'd 04/11/06.
Cahoot
Prelim sent 2nd Aug 2006 - usual "if your not happy then sod off" reply.
LBA sent 25th Aug 2006 - another "if your not happy then sod off" and an offer to refund £130, accepted as partial settlement, used to pay for MCOL
MCOL filed on 15th Sept 2006.
Acknoledged 26th Sept 2006
Defended 12th Oct 2006 in a letter to me but not to the courts
Started judgement by default on 30th Oct 2006
Barclaycard
Citibank
Halifax sent S.A.R - (Subject Access Request) on 09/10/06 nothing back yet
Capital one
etc..........watch out here I come.
You're right - this is something I haven't done since Easter, so a second letter of complaint will be winging it's way shortly...
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Sent Data Protection Act to halifax, NatWest and woolwich on 07/08/06
received Data Protection Act frm halifax 29/08/06 charged. Sent request letter to halifax 30/08/2006
recieved gesture of £84 claiming £340 on 28/09/06
sent letter before action on 29/09/06
sent moneyclaim form , issued on 27/10/06
**WON RECIEVED SETTLEMENT LETTER 15/11/06
recieved Data Protection Act from Woolwich 31/08/2006, no charge sent request letter to woolwich 04/09/2006sent LBA on 26/10/06 have till 10/11/06 moneyclaim filed 16/11/06
NatWest 40 days is 18/09/06 . Sent request letter 31/10. Sent LBA letter 15/11/06 till 29/11
**WON RECEIVED FULL SETTLEMENT***
Financial Ombudsman - a recommendation
is apparently so concerned about the level of complaints re bank charges and also the lack of public confidence in his office that maybe it is about time that he was made aware of the true scale of the problem.
Reply With Quote
Originally Posted by phatram
Sent Data Protection Act to halifax, NatWest and woolwich on 07/08/06