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.
I have had a refusal to the second letter in December to refund charges and I am afraid I am being a bit of a coward! I opened the account with A&L in January 2006, in Apr I made the big mistake of taking ten pounds out of my account forgetting about switch transactions which came off. Well as you know I then got hit with two £25 pound charges next month and as I am on very tight buget this has just snowballed. My account is now £550 o/d with o/d limit of £500. My charges now work out at £420. The account has now been closed and I have to pay £95 back a month (they very kindly refunded me £25). I basically need some encouragement to go next step and can someone point me in right direction for the next letter. I have been reading this site for many months now and thought I had downloaded all letters but can't seem to find them.
hey hun dont despair keep fighting, go to the home page and scroll down to Bank templates library they are all there hun. you will probably have to issue MCOL to get your money back this will cost u £50 to £120 depending on the claim amount but you will get that back with your cheque, reading round most peeps seem to get their cheques approx 7 to 10 days after mcol is issued. so hang on in there and you will be rewarded. hope you have another account tho coz they will close your current account after court settlement. GO GET IT HUN !!!!!
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GO GET IT HUN !!!!!