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.
Just spoke to a guy at MBNA because they keep harassing me for 1 late payment, mentioned the OFT ruling and he said that they will be bringing there charges into line but they have until the end of may to challenge the ruling. he also said that any charges already paid will not be paid back. Took his name (NIALL ext 56219) and told him i'll ring him back in about 3 months time and ask him how he thinks i should spend this money that he said i WONT get back. Up for this BIG TIME.
Just recieved my list of charges from them, i've got 2 accounts but only got details for 1 account even though the covering letter stated for both accounts.
Phoned them and are sending details of other account. Checked this 1 and found £800 in charges, presume other 1 will be about the same. Stange thing happened to me today. inland revenue rang me a said i'd paid to much TAX and there's a cheque in the post for £2100. HAPPY DAYS.
just remember that you can combine them both on your court summons which would save you a few quid, although the timing of the two request isn't quite in sinc
£2K did'nt last long lol. Got all charges now, £1365 in total. repayment letter gone today. E-mail'ed Rhodes about harassment calls as well last week, dont seem to be getting them any more, might have worked. TICK TICK TICK
Recieved another letter today re; an e-mail i sent to Michael Rhodes about harrassment phone calls. They apoligised 4 times in the letter and promised to take me off there list.If anyone else is having the same with them, it might help to send him a quick reminder. His e-mail is on this thread.
Totaled up £1395 on both my cards so decided to ring them and give them the oppotunity to settle before more costs are added when court action begins, AND IT WILL HAPPEN, waiting for them to get back to me. Will post reply.
Letter stated to speak to a guy called Gareth Tunnicliffe but a lady called Evonne rang me back. She seemed nice enough, she offered me £580 in settlement, which i politly refused. Gonna get back to me agian later.
I must say, never dealt with Gareth Tunnicliffe but other people on here have and he sounds alright to deal with. You'll be alright, just hang in there !
These guys are such a bunch of arrogant wasters ! They really think they are above everyone else. They probably said to themselves, well we've offered money so we'll just sit back and see what happens next. The annoying thing is that they make decisions like that but don't let you know even though they say they will call, they just put the bal back in your court