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.
ok i want to claim back the charges the rbos has charges me in recent years,, i have read the article on the site, there is so much info im a bit confused, i can see that if i know my charges i can download the form and send it off to my bank.
If i dont know my charges i need to send off for a statement of charges applied to my account over the last 6 years. Now can i just write a letter to my local branch asking for this information?
I read a bit in the article about sending off £10 fee to some place for this info. What is the correct way to do this. I will pay the £10 to do this if it is necessary but the girl at the bank told me just to send a letter in to her attention and she would get me a list of the charges. Do i send the £10 and letter to the bank local to me or headquarters or some other place?
also is it £10 per account or can i request statements for 2 accounts for the same £10.
It really does take a few days to get your head around all the arguments and all the information.
You will be setting a timetable (the timetable that the bank says it will work to is irrelevant). In the FAQ you will find 'Step By Step Instructions.' Start this, be clear on what your first step is (requesting the info from the bank so that you can calculate what they owe you)
Whilst waiting for the info, read up on your next step. If you make sure you stick to your own thread in the relevant area (eg [username] claim against [bank]), and use this as a sort of diary which you can update as things progress. It will also enable you to check responses to your questions, and people will be able to find your thread a lot easier.
Good luck.
You are here, you want your money back, you will get help and support in this, but it is YOUR call, and you must be prepared to put in the effort.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
It really does take a few days to get your head around all the arguments and all the information.
You will be setting a timetable (the timetable that the bank says it will work to is irrelevant). In the FAQ you will find 'Step By Step Instructions.' Start this, be clear on what your first step is (requesting the info from the bank so that you can calculate what they owe you)
Whilst waiting for the info, read up on your next step. If you make sure you stick to your own thread in the relevant area (eg [username] claim against [bank]), and use this as a sort of diary which you can update as things progress. It will also enable you to check responses to your questions, and people will be able to find your thread a lot easier.
Good luck.
You are here, you want your money back, you will get help and support in this, but it is YOUR call, and you must be prepared to put in the effort.
thanks for the reply, strange i never got email notification
so is my local bank branch my first port of call ie send them a letter asking for a statement of all the charges to my account, does this need the £10 fee, this is the bit im not sure about, once i get the letter sent i can read up a bit more about how to proceed.
Yes - deal with your local branch. They have internal channels for ensuring your letters reach the right people. And yes, include the payment with your request. They may well waive the fee, but that is their choice.
Good luck.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Great - once posted set the clock ticking. And keep us posted. Good luck.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
help looking to claim back my charges
. Now can i just write a letter to my local branch asking for this information?
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Originally Posted by Spiceskull
