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 am disappointed that you have failed to respond positively to my letter of 20/2/07.
I understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, are unlawful at Common Law, Statute and recent Consumer regulations.
I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.
I calculate that you have taken £35 in unpaid Direct Debit fees. I am enclosing a copy of the schedule of the charges which I am claiming.
As I have already sent you a warning of the action I would take were these unlawful fees to be debited if you do not comply fully within 7 days, I shall begin legal action against you for the full amount plus interest, plus my costs and without further notice. (A copy of my letter of 20/2/07 is enclosed)
a jacuzzi with Bananarama. I have not lived in Bolton since 1986
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6,823
Re: noomill v woolwich 2.0
Funny this is, I phoned them to give them the opportunity to remove the charge and was told that the only do one "goodwill gesture" a year. (I had a similar charge removed in September)
a jacuzzi with Bananarama. I have not lived in Bolton since 1986
Posts
6,823
Re: noomill v woolwich 2.0
Got a letter from Woolwich/Barclays this morning saying they dont agree with my legal argument, they dont consider they have done anything wrong, but that they will credit my account with £70 to make me go away.
a jacuzzi with Bananarama. I have not lived in Bolton since 1986
Posts
6,823
Re: noomill v woolwich 2.0
Got another charge for going overdrawn as a result of the previous charges last month- after a few letters they agreed to refund all charges, which they did, in fact they paid £30 more than I asked for!
I then withdrew every last penny and closed the account before they could mess me around again!
(Left the branch singing "We Wont Meet Again"....)
noomill v woolwich 2.0
, despite being warned what would happen.
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