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.
1st post so please forgive me if i have posted in wrong section. First id like to say this website is amazing, Lots of info that im going to use over the comming months no doubt!!!
Myself and my partner have had nothing but trouble with the BOS for atleast the past 5 years and after waking up this morning to yet another charge letter i have decided to do something about it. Which brings me here. After a phone call this morning about the 2 bank charges this week that we have received due to Blair oliver, Unanounced take out of £250 from our account last week( Is this legal) Its for recovery of a visa card debt (That we fell behind on last summer).So Phoned the bank this morning to explain that the charges where incured due to afor mentioned Blair oliver taking money from our account with out letting us know, And as we hadnt checked any mini statements we were unaware that there wasnt enough money in our account to cover one standing order (To guess who !!! Yup Blair oliver) and another direct debit to our broadband provider.The First charge we have already payed on the 5th dec, And the second was due to come of tommorow, The woman explained over the phone as a gesture of goodwill the charge for the tommorow would be canceled, But she couldnt refund the charge for the 5th, And advised us that there was a 24hour telephone banking service and that if we had called before the charge had come of on the 5th They could have cancelled it, But can't now ( WTF!!)
There's a bit more to our story when it comes to dealing with Bank of Scotland and there Blair oliver sidekicks, But for now im going to try and recover the bank charges from the past 5 years with the help of this site, Which at a guestimate i reckon are in the 4/5 thousand pound regeion.....
Im sure you'll be seeing alot more of me on here over the comming months. And all help will be greatfully appreciated..
Hi and good luck with your campaign. You need to get your SAR letter off soonest. I've just issued my court claim. It does become fun sending your bank threatening letters . I'll be keeping an eye on your thread.
Hi thanks, Have the letter printed out and will hand deliver to bank in the morning, Cant wait to get the ball rolling on this one, Ive truely had enough of there tactics theve had thousands and thousands of pounds out of us over the last five years, Not to mention the sheer frustration and bank rage i get every time they sting us with another charge. Even when they did decide to cancell tommorows charge but not refund the one they had taken on the 5th it's half hearted in my opinion, They admit that it was a fault on there behalf but still cant refund the 1st charge. Sick to the stomach with there nonsense. Will keep you informed on how things go over the months. Thanks
DS V's The Man (BOS)
this morning about the 2 bank charges this week that we have received due to Blair oliver, Unanounced take out of £250 from our account last week( Is this legal) Its for recovery of a visa card debt (That we fell behind on last summer).So Phoned the bank this morning to explain that the charges where incured due to afor mentioned Blair oliver taking money from our account with out letting us know, And as we hadnt checked any mini statements we were unaware that there wasnt enough money in our account to cover one standing order (To guess who !!! Yup Blair oliver) and another direct debit
the charge for the tommorow would be canceled, But she couldnt refund the charge for the 5th, And advised us that there was a 24hour telephone banking service and that if we had called before the charge had come of on the 5th They could have cancelled it, But can't now ( WTF!!)
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. I'll be keeping an eye on your thread.
