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.
Called the BOS today to check progress. They ahd until Thursday to give their final response as per the 8 weeks set out by the FSA. Was told today that they are too busy and wont be responding within the 8 weeks. Called the Ombudsman, who has received my complaint but he said it could take 3-4 mths to resolve. Has anyone gone for ordinary action through the courts. Ant ideas of the cost a lawyer would charge to do this and would the bank have to pay the lawyers fees if the bank lost?
HI there, i,m in a similar situation BOS have until 7th march to get back to me i contacted the F O first who sent them a letter to say that i had contacted them and should i not get a satisfactory response they will then look into my complaint surely they don't want to get on the wrong side of the ombuds i keep phoning to check up on them every couple of days got a rottweiler on thurs who gave me aggro and a lecture nice man who said it woz my fault blah blah they took half my husbands wages on bank charges this month so if this is their new stall i'll be joining you in an OA.
Not sure why you are allowing 8 weeks for anything? I suspect you have both had responses from BOS saying thanks for your complaint we will deal with within 8 weeks. Well you don't listen to them.......stick to your deadlines!
Which letter have you sent that they have responded to? Is it your S.A.R - (Subject access request) or your prelim letter for refund of charges? If it is your S.A.R - (Subject access request) then you could complain to the Information Commissioners Office or threaten them with a claim for non-disclosure. If it is your Prelim letter, then go to the next stage, send an lba giving them 14 days to respond else you go to court.
This is all written up in the Step by Step guide in the FAQs forum.
If my post has been useful, tip my scales and let me know
Wouldn't hold your breath waiting on a response on the 7th of March! Got a letter from BOS this morning saying that I now have the right to go to the Ombudsman so they are obviously not that bothered. This is a good one too! Was told yesterday that the hold up is due to the BOS ordering more of my statements from, wait for it...... THE BOS! Would be intererting to know if anyone has gone for ordinary action though as the £750 and £1500 limits seem like a lot of hassle after waiting this long already (5mths). If no-one has lost in the small claims or summary cause then dont see how you could lose with ordinary action.
Hi T4FF, The BOS have told me that they have 8 weeks as per the FSA to respond to my lba, in which I did give them the 14 days to reply. The Ombudsman also says they have 8 weeks to reply.
If you have sent them an lba with a 14 day deadline then that's all they get.
The FSA guidline of 8 weeks is the MAXIMUM time they can allow to deal with a complaint. This isn't a complaint per se.
In any case, this is just a reminder they sent to put off the less knowledgable and it does seem to work!!
You said in your LBA that if they did not respond in 14 days you would file a claim in court. If they 14 days are up, then stick to your warning. This is the correct process and you are not in the wrong. If you are unsure, I suggest you go through the step by step guide inthe FAQs or read through a couple of the BOS successes (there is a success sub-forum at the top of the RBS / BOS page.
If my post has been useful, tip my scales and let me know
My letter from the bank stated that it would be resolved by the 7th March this is my second letter (this was after Ombuds contacted bank on my behalf to say that they were waiting on my shout to get involved) I have been phoning every couple of days but think i will give them "courtesy calls" daily now to see if it hacks them off as much as us Martin Lewis was on telly and says everyone will get their money but advises over 5K to get a solicitor and not a no win no fee one!! Why should they get our money 25% of 5K is a lot of lolly After i phoned on Fri they took my telephone no. "as they are getting 100's of claims they are working till 8pm and weekends too contacting people by calls to" bless'em !!
Wow! I managed to post my response from another thread on this one! REally can't work out how THAT happened? Doubt it made much sense. Have removed it now. Now to find where it should have been............
If my post has been useful, tip my scales and let me know
Ordinary Action
today to check progress. They ahd until Thursday to give their final response as per the 8 weeks set out by the FSA. Was told today that they are too busy and wont be responding within the 8 weeks. Called the Ombudsman
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