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.
One of many actions started on behalf of my skint kids. My daughter tells me it isnt much but shes said that before. She said it wasnt much when she bought a DK Handbag for 200 quid.
Sounds like smile are a bit more reasnoble than some of the others, hope to be celebrating soon.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.
Initial approach for payment letter sent 30th May, its only 200 GBP but its not theirs so I want it back
Smiles response was a letter threatening to deafult on a overdraft balance of 50 quid. This was a number of service charges added to the account after it was closed in November. It even states on the customer contact log that My daughter rang in November cleared the balance and closed the account.
I have sent them a letter reminding them of S13 / 6 of the Banking Code regards disputed accounts and also that if any inaccurate deatils are passed to a credit reference agency I will inform the IC.
Another threatening letter received on the 12th June regarding the £56 they have added to the account as the monthly service charge since it was closed in November.
The really annoying thing about this is it clearly states on the customer log which they provided me with, that the account was cleared and closed in November and I have informed them of this twice by letter.
Decided to ring the author of the letter. She apologised and promised to refund the £56 without delay.
Another letter in response to the lba arrived today stating they were looking into my complaint
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.
She did ring up in about August after the had 195 GBP of charges lumped on her account in one hit. The operator stated they would refund the charges but only if she paid off the balance in full that day which she couldnt do.
There is no other entry on the customer log at all regarding this but a credit for 200GBP in November. the charges are 195 so its not the same. The customer log is very comprehensive so I would have thought it would have been mentioned
My daughter cant honestly remember if she made the credit or not.
Im reluctant to ask Smile as I rather think they will take the opportunity to claim it was a refund but I may have to so I dont make an error.
Just ask them what this credit is for. I don't think they would dare to lie about it, and I don't think they would pay a nice round £200 if she asked for £195.00 refund. The timescale doesn't seem right either. The more I think about this the more inclined I would be to claim the £195.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.
Another threatening letter received on the 12th June regarding the £56 they have added to the account as the monthly service charge since it was closed in November.
The really annoying thing about this is it clearly states on the customer log which they provided me with, that the account was cleared and closed in November and I have informed them of this twice by letter.
Decided to ring the author of the letter. She apologised and promised to refund the £56 without delay.
Another letter in response to the lba arrived today stating they were looking into my complaint
they seem to have a thing of not closing accounts and then sending them overdrawn. the same thing has been happening with my co-op pathfinder account for 6 months now.. ive asked for it to be closed at least once a month and have been promised it would be, charges have been wiped, then they're reapplied each month...
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.
DPA Letter sent 18th April
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Originally Posted by rogerebaker
