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.
Got charged recently (£38) for a cheque that was returned (cleared on re-presentation). So I tried to persuade the bank to return my money . . . . and they would have done so if I had signed a letter indemnifying the bank against any future claims on my part.
I was not willing to accept these conditions and sent off my S.A.R - (Subject access request) 31/10/06.
Got the statements within a week. Well, not all the statements. So have written to the bank (JE Tudor) once more for the remaining statements.
Is it me, or am I right in thinking that banks and building societies are trying to circumnavigate the Data Protection Act by only supplying records that are consistent with the statute of limitations?
Anyway, a cursory look at the statements I have reveals over £260 in charges since June 2001. Obviously not a fortune, but important to someone like me on a part-time academic contract.
Once I get the remaining statements I'll be able to see the full picture.
As my branch of RBS is in Glasgow (I live in England), does anyone know if I am covered by Scottish legal jurisdiction (i.e. limited to claiming 5 years worth of charges), or as long as I initiate legal proceedings in England, will the limitation of 6 years apply?
Sent letter 29 November asking for my money back. Received a letter dated 4 December stating our charges are fair and transparent etc . . . . with offer of £76 goodwill gesture. Now proceeding to lba for full amount. Good programme on bank charges BBC2 December 12 - expect an influx of new members!
Andy Mc1 vs RBS
) 31/10/06.
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