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.
Having "introduced" myself in the appropriate place on this web site, I have now created this thread in order to post the (potentially convoluted) steps gone through in an effort to get back the money taken from my account in unlawful charges.
Ok - Here I am in the pre-step-1 phase...........collating all the information from my statements to establish what charges I should claim back.
I'm assuming that ALL charges levied on my for going overdrawn or failure of the bank to pay a direct debit are unlawful - is that correct ?
I will post again when I have completed my data collection.
I guess my next step will be to open a "parachute" account - just in case !
Also, I have two seperate accounts with HBOS - one in my name and one in joint names with my partner. Do I have to seperate the claims so that I make one claim per account ?
Since deciding to take action, I have suddenly realised that I have many more questions. Hmmmmmmm........time to slow down a wee bit and think before diving straight in.
Also, in my haste, I posted to the Royal Bank of Scotland and Bank of Scotland thread (since my accounts are with the Halifax Bank of Scotland) - since I live in Scotland, should I perhaps have posted under the Scotland thread ? If so, how do I change my posts to that thread ?
I am aware that Scots Law is very different to English law and would hate to take good advice at face value only to discover later that it only applies in England and Wales.
banksRbad vs. HBOS
are unlawful - is that correct ?
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