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.
£410 bank charges received today! Happy New Year from Lloyds TSB
Hello Everybody,
This morning I went to the cashpoint and there was no money available. I checked online to find that Lloyds TSB had levied £280 in returned direct debit charges, £60 in bank chages, £60 in excess overdraft charges and £10 account fee!
The charges took me £23 over my limit so they have kindly bounced another 2 direct debits.
This brings charges this year alone to £2,000...Enough is enough!
Re: £410 bank charges received today! Happy New Year from Lloyds TSB
Hi Luca
Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later. Our aim is to make you aware of your rights as a consumer, enabling you to fight back against unlawful bank, credit and store card charges. In the website you will find information on how you could get your money back
Then look at other threads in your bank’s forum, so as you know what you can expect to happen. You can claim back your charges, and a few are trying for the payback of Early Redemption Charges on loans and Mortgages.
You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily.
There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time.
Take your time and have a good read around this site. Then come and join us in our forum. Here we can guide you every step of the way. Please remember, we are here to help you help your self.
When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help.
If you any questions please do come to the forum and we will only be too happy to help you!
Remember: The Ark was built by amateurs-The Titanic by professionals.
Please click my scales if you find my advice helpful !
If your claim is successful, please donate 5% so that it can continue to help others.
Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.
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Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers
HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?
YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.
£410 bank charges received today! Happy New Year from Lloyds TSB
TSB had levied £280 in returned direct debit
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