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've just discovered this unlawful bank charges thing, and am not sure if I should try and deal with it myself or let one of the companies who charge for it do all the messy stuff, and suggestions?
these companies are just as bad as the banks.. read as much as you can and do it yourself, with the help of the 100,000 users on here.
The process that you will follow is relatively easy but IS NOT a get rich quick scheme. Spend time reading the FAQ pages as this will stop you making mistakes along the way. Read as many threads as your eyes will allow, you will gain invaluable knowledge which will give you the confidence you need. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. Then start your own thread under the relevant bank and other users will help and guide you along the way.
Everyone is very friendly and keen to help. Dave and Bankfodder have done a great job in producing the site, and all the moderators and helpers really are a very helpful bunch..
You must always remember that this MAY lead to court, so far it hasn’t, but it may do. We will all be there if you end up being the ‘chosen one’ so don’t worry, it’s a long way off.
Please also understand that any advice that you receive is normally based on experience and expert advice should be sought if needed.
I have put some useful links onto the thread that you can refer to when needed.
Oh, and if they are useful please click on my scales at the bottom. This just shows that I have been a good boy!!
Hi welcome to the site.
With 100k plus members sho have decided its not a problem for them to do it themselves maybe they have a good point !!
Why part with your money for something you can do yourself (unless you dont need it of course )
All the tools advice and support is here for you !
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
Okay full story, went sick 03/05, first charges on overdraft 09/05, original overdraft was £255, (£5 over my agreed limit of £250) additional charges added until overdraft reached £566. Agreed to pay the bank £50 per month until 11/06 and the overdraft was extended to just cover outstanding amount, and reduced accordingly each month. My account was frozen and transfered to the collections department.
Had a phone call from them during 11/06 and was asked to pay of the outstanding balance of £175, explained that I could not do this as my monthly income is only £300. Agreed to pay off the remaining balace at £15 per month. This was misheard by the person on the phone who logged that I would continue paying £50.
i paid £20 in november and £40 in December. I received a letter this morning saying that as I had not paid the £50 agreed the were now charging me an additional 'overdraft excess fee' of £30. Does this excess fee count as part of the unlawful charges?
To date I have paid them a total of £560, far in excess of the £255 I originally owed them, and will I be able to get any of this back?
You can claim ALL of it......plus the interest which depending how far we are going back could be close to 800 quid at least !!!
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
I am going round in circles here! I cannot seem to work out how much I should claim back from the bank.
I was overdrawn by £255 in Sept 05, charges to date totalling £525 have been added to that sum, from Jan 06 until Dec 06 I paid them a total of £590 @ £50 a month to clear this overdraft. Using this amout my original overdraft would have been paid of by May 06, had it not been for the charges that were still being added.
Do I just claim for the £525 charges or can I also claim back the £360 extra that I have paid them back?
I hope that you decided to tackle the banks by yourself. when I 1st looked at getting bank charges back i thought i would go with a no win no fee company. I sent them a consent form but heard nothing for a while a decided to withdraw consent by sending them another letter. It didnt seem right, they never answered the phone, never replied to emails.
they did eventually reply to an email at 1100pm on a friday night, which led me to beleive that it could be somebody operating from home just to make money which is easily reclaimable by yourself.
I may be wrong and these companies could be great but I have found so many helpful people on this site im sure if you post any problems somebody will be able to give you some advice.
confused newby
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