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 £38 for forgetting about my £27 mobile phone bill. Lodged money to cover it the very next day when I realised. Received my statement a couple of days back with a letter saying I was also being charged a £28 "account maintenance" fee. After the stuff I've been through with this site, I thought "no way I'm paying £66 just cause I forgot about my bill". Sent them a letter saying how I was disgusted with the charges for an simple oversight. Sent it on Saturday, got a phone call yesterday saying they are refunding them. Money in account this morning. Get in!
If only it was this simple to get larger amounts back.
Halifax Credit Card - claimed £404, settled at £387.50
BoS Current Account - £3600 claimed successfully, working on default removal
BoS Loan - Default removed
Vodafone - Default removed
ex-Landlord - successfully got him to drop his counter-claim, settled out of court after 3 hearings