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.
hi all, hope your all winning against those ******!.
Ok got my list of charges for my premier account (3yrs worth)thru last night and went thru them and i have only got £200 which i got over the last 4months.
They had already given me a goodwill gesture payment of £100 (which would have put the charges up to £300 total).
I have copied the prelim letter and edited in the relevant account details/names etc and have also printed out the spreadsheet for a list of charges (8 charges of £25).I did bother to add any of the contractual overdraft interest for the period as it was more hassle than it was worth,I hope this was ok ?
The main thing i want to ask is I had been getting charged £5 per month for several months because I was not crediting the account with the £500 minimum funding.
After looking at all my statements I found there was one month where I had credited £490 (in small credits) to my account and still received a £5 under funding fee . I am also putting this £5 fee on my list of re-claimable charges as I also received two unauthorised O/D charges (of £25 each)for that month which I feel I could have been used to credit my account beyond the £490 that I had already credited.
Does anyone think that was a bad move ?.
I did consider trying to reclaim 5 lots of these £5 charges going back to when they first charged me an unauthorised O/D (£25) charge , because i could argue that the £25 they stole from me could have been constantly reinvested in £25 sums up to the £500 minimum funding limit .If anyone feels this would still be legitimate please let me know as I wont send my letter off till 7pm tonight.
Sorry for the rush guys
Hi, good luck, sorry i can't answer this for you as not sure where they stand with the £5 charge. Just thought i'd reply to bump this thread so someone else may be able to answer it for you.
Lily
Alliance & Leicester;
LBA 22nd July 2006
Reply 31st July
MCOL 6/8/06
PAID IN FULL 25th August 2006..... DONATION HAPPILY GIVEN.......
prelim letter to A&L
payment of £100 (which would have put the charges up to £300 total).
interest for the period as it was more hassle than it was worth,I hope this was ok ?
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Lily 