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.
Hi
I was very nervous about starting a claim as I was worried how far I would have to go to get a result but after moving my statement to the sofa several times I finally got up the umph to to the first letter from your library on 26th March. I asked for £110. a £20 charge and 3 x £30 charges for going over my overdraft by a few pounds in January and then them putting 4 transactions through (they only totalled about £60 so to be charged £140 originally (i got one refunded originally when I first found out and pleaded over the phone - the customer services assistant was very unsympathetic and very condescending which wound me up loads but I had to bite my tongue or i'm sure i'd not even have managed that!) was taking the mick I thought).
I had an acknowledgement from Dawn Hoyle dated 31 March to whom I addressed the letter saying they would contact me within 4 weeks and a very badly photocopied letter of the Customer Satisfaction policy - not professional when the copy is all askew!
I have received a letter today dated 12th April saying they have refunded the charges (the amount is back in my account!!!) because I haven't incurred charges in the recent past (actually I havent incurred charges for quite a while but I didnt check through the whole of the claim period as I was more concerned about recent charges and thought I would stand a better chance if it could be done quickly without wading through old records)
The debit interest of £9 odd stays as it was because I was overdrawn and not a incurred charge. They say it is not their intention to penalise customers for one-off lapses but they do expect them to manage their accounts effectively. They also state they think their charges are fair and would defend them in court etc etc
A satisfactory outcome for me - I accept I should have known what was in my account and when I found out I transferred money over and upped my overdraft so was proactive in fixing it straight away but I thought the charges to be over the top and the customer service unsympathetic
My advice - ask the question - it might just be really easy
For those who have more of a fight on their hands - I support you wholeheartedly and wish you all the best
THANK YOU FOR HELPING ME DO THIS
XX
Bank Charges Refunded
by a few pounds in January and then them putting 4 transactions through (they only totalled about £60 so to be charged £140 originally (i got one refunded originally when I first found out and pleaded over the phone - the customer services assistant was very unsympathetic and very condescending which wound me up loads but I had to bite my tongue or i'm sure i'd not even have managed that!) was taking the mick I thought).
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