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 sent a 2nd letter sent to RBOS 12 days ago advising them that if they didn't refund my charges I'd make a claim through the courts. I did suggest, though, that I would accept £500 for early settlement (as opposed to a full claim including interest of £646. To my surprise this morning a letter arrived offering £616. Wow!
Naturally their covering letter would not admit liability and said that it was a gesture of goodwill. Also I must take care not to put myself in this position again (exceeding limit) otherwise they're likely to close my account - though they don't specifically use these words, it's what they mean.
If any forum users have to go further than I did then Which? have a PDF on-line fact sheet that will help when filing your claim on-line (see paragraph re Filling in your Form).
It was so easy to claim refund
of £646. To my surprise this morning a letter arrived offering £616. Wow!
. Also I must take care not to put myself in this position again (exceeding limit) otherwise they're likely to close my account - though they don't specifically use these words, it's what they mean.
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