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.
OMG, I've just been reading all the info and now I am scared. My hubby and I both have active Open plan accounts and we called the Woolwich a couple of weeks ago and just made telephone enquiries about reclaiming bank charges, they were so lovely and said we could do it all over the phone, we then got a standard letter saying they would respond to the complaint by the 23rd of March.
My question is that I thought that would be it, they even promised that we could stay customers with them, after reading all the info here I'm wondering if we have done the wrong thing and should have written a formal letter and also what we do next, I have mental health issues and I'm not ready for a messy situation.
Can anyone put my mind at rest and tell me they did it the same way and it was all settled without a fight etc:idea:
Hello Elphaba and welcome! Personally I think you should send Subject access request (SAR) letter in the templates library (along with £10 cheque)that way you set the time scale for replies. This way they will have to send you your statements within 40days you can calculate your charges then move to the next stage.
I have learnt the hard way with the Woolwich that you have to play by your rules and not theirs. You have to realise they will do whats best for them ie delaying you as much as possible. Therefore you do what is best for you and that is read up on the FAQS and find as much info as you can from this site its all here including loads of support from people doing the same as you.
Don't worry about thinking you've done wrong by phoning them, It hasn't done any harm! I've made a few mistakes along the way but with the help on here I've been able to rectifiy them.
clairec's advice is correct I'm afraid. I'll be pleasantly surprised if you can resolve this without letters and court action but it would be very much out of the ordinary.
One thing to try and put your mind at rest, if you do decide to go down the written route it's not that messy really. The process is well-established and well-documented and there are plenty of people who'll help you if you are uncertain of what to do next.
Again as clairec points out you've done no harm by phoning them. I hope all goes well and that you'll come back and ask more questions if you'd like to.
Elphaba and hubby Vs Woolwich
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Re: Elphaba and hubby Vs Woolwich
