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.
Abbey - Won DPA Claim - Aug 06 and got bailiffs in to recover my court costs of just £30.00 Abbey - Won Charges Refund of £1050 - Nov 06 Egg - Recovered £220 due to Customer Services misinformation - Feb 2007
Nat West - Prelinimary Letter to recover on Credit Card charges £30.00 sent March 2006. £25.40 offered - rejected and the bank reckons that this is it's last word on the matter. We'll see if that's still the case when it reads my N1 form sent recently. It has until the 17th April to respond or the N1 will be submitted.
You could try phoning them and asking them to give it back.
Just happened to me, and as a "gesture of goodwill" they said yes
You never know til you ask
I was going to suggest phoning them or nipping into your branch about it - its a low amount but IS your money that they shouldn't have taken!!
If they don't resolve it informally then send prelim, my thoughts are they'll pay it back asap!
Natwest Bank Plc owe me £1,227.48
06/03/07 - Prelim Sent
16/03/07 - Claim authorised, in full, via telephone...
28/03/07 - Full offer received in writing - YAY
29/03/07 - Offer accepted!
Bank of Scotland Mastercard owe me £497.00
11/03/07 - Complaint telephone call logged
29/03/07 - 50% offer received...
With credit card charges never go into the branch, we can do nothing at branch level re charges on credit cards unless there was a bank error in the application of the charge.
I did phone them and someone had to phone me back. Took them 3 days and then the lady hadn't been given the full story (typical).
The charges were Feb 06 and she didn't have access to it that far ago, but yaddered on about how they would have been applied in line etc. and trying to make out that the OFT ruling was after that date so it wasn't relevant.
Yeah, right.
Abbey - Won DPA Claim - Aug 06 and got bailiffs in to recover my court costs of just £30.00 Abbey - Won Charges Refund of £1050 - Nov 06 Egg - Recovered £220 due to Customer Services misinformation - Feb 2007
Nat West - Prelinimary Letter to recover on Credit Card charges £30.00 sent March 2006. £25.40 offered - rejected and the bank reckons that this is it's last word on the matter. We'll see if that's still the case when it reads my N1 form sent recently. It has until the 17th April to respond or the N1 will be submitted.
£30 is £30 if you went shopping for groceries and were £30 short they'd want you to put your bacon back ( smiles at Nattie ) so I say go for it!!
NatWest : £857.00 won! March/07
Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08
Natwest for my partner : £2,101.00 won! Feb/07
Studio Cards : Refund for admin charges £108 Won! Dec/07
Complaint made to FOS for P.P.I Jan/08
Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )
Littlewoods : defaulted on CCA request Feb/07
DCA's that crawled out from the woodwork and have crawled back : 28 so far!! My favourite link on CAG: Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums
All this talk of putting bacon back is making me hungry. Hungry for lovely revenge on the Nasty West. Go get your money. I tend to think they will pay up at prelim or lba. Cos its not mass wads were talking is it. Dont think they will be bothered to put up a fight for £30 squid. But we have been proved wrong on here from time to time. The ones we think will be quick straightforward, sometimes arent. But think positive. It helps. Fendy xxxxxxxxxxxxx
NATWEST BANK CLAIM - £16,100.00 WON
ABBEY BANK - £5500.00 WON
CAPITAL ONE VISA - £1800.00 WON
HUBBYS CAPITAL ONE VISA £2012.00 WON
TOTAL WON TO DATE: £25,400
************************* ************************
NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING
ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING
YORKSHIRE BANK - AT SAR STATUS
HALIFAX CREDIT CARD - AT SAR STATUS
PLENTY MORE TO START LATER.
STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.
STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT DUE TO WHAT LIFE DOES TO YOU.
Well youve heard the phrase PIGGY BANK havent u. If the cap fits with Nasty West, I suggest they wear it with pride. Lol. (laughs heartily with Nattie). Not at Nattie......Fendy xxx
NATWEST BANK CLAIM - £16,100.00 WON
ABBEY BANK - £5500.00 WON
CAPITAL ONE VISA - £1800.00 WON
HUBBYS CAPITAL ONE VISA £2012.00 WON
TOTAL WON TO DATE: £25,400
************************* ************************
NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING
ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING
YORKSHIRE BANK - AT SAR STATUS
HALIFAX CREDIT CARD - AT SAR STATUS
PLENTY MORE TO START LATER.
STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.
STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT DUE TO WHAT LIFE DOES TO YOU.
Got what I expect is a standard letter on Saturday.
Blah, Blah, applied in line blah, blah.
However, as a goodwill gesture, blah, we'll offer you £25.44 representing the difference between the £20 that we charged and the £12 we now charge and the interest.
It's true they charged £20 on one thing and £10.00 on another (both related). I don't recall what these were, but they have ignored the £10.00 altogether. I thick they're working on the assumption that because it's under the £12 maximum they can apply, they're OK.
Oh no, Mr Nat West, you're not. You may have to justify this charge too - if it's more than it actually cost you, then it's unlawful and we both know it.
I've replied refusing the offer, providing links to two National Newspaper articles that feature my story of having the bailiffs into Abbey last year and making it clear that unless they can justify the charges, I expect a cheque for the refund or I will issue legal action in line with my first letter.
Frankly, I am surprised to have had a reply so quickly. I doubt that a further reply will be so swift.
Abbey - Won DPA Claim - Aug 06 and got bailiffs in to recover my court costs of just £30.00 Abbey - Won Charges Refund of £1050 - Nov 06 Egg - Recovered £220 due to Customer Services misinformation - Feb 2007
Nat West - Prelinimary Letter to recover on Credit Card charges £30.00 sent March 2006. £25.40 offered - rejected and the bank reckons that this is it's last word on the matter. We'll see if that's still the case when it reads my N1 form sent recently. It has until the 17th April to respond or the N1 will be submitted.
If we all took the view of its only £30 then banks would be laughing at us.
We need to let them know that we will lie down and let them trample over us-I have been battling with them since last November to get back just over £4500 and in thsi time all I have seen from them is a series of delaying tactics in the hope that I would not take the matter furtrher.
Last week I issued the MCOL and hoepfully will get something from them in due course.
Reiterated that I could have £25.44 and that this was the bank's final response.
Errrr. No, I don't think it will be some how.
To reiterate how serious I am, am replying with a copy of my N1 Claim Form - it has 14 days.....
Bloody cheek.
Abbey - Won DPA Claim - Aug 06 and got bailiffs in to recover my court costs of just £30.00 Abbey - Won Charges Refund of £1050 - Nov 06 Egg - Recovered £220 due to Customer Services misinformation - Feb 2007
Nat West - Prelinimary Letter to recover on Credit Card charges £30.00 sent March 2006. £25.40 offered - rejected and the bank reckons that this is it's last word on the matter. We'll see if that's still the case when it reads my N1 form sent recently. It has until the 17th April to respond or the N1 will be submitted.
oddfellow,
If i was you i would contact a newspaper. They would love your story and they might pay you a few quid as well.
I might just do that.
Thanks to MoneySavingExpert, I was featured in the Express, Daily Mail, Independent and Norwich Evening News during March - pictures the lot.
Using the figures that they produced to establish the £25.44 offer, I work out that Nat West now owes me £95.40.
Abbey - Won DPA Claim - Aug 06 and got bailiffs in to recover my court costs of just £30.00 Abbey - Won Charges Refund of £1050 - Nov 06 Egg - Recovered £220 due to Customer Services misinformation - Feb 2007
Nat West - Prelinimary Letter to recover on Credit Card charges £30.00 sent March 2006. £25.40 offered - rejected and the bank reckons that this is it's last word on the matter. We'll see if that's still the case when it reads my N1 form sent recently. It has until the 17th April to respond or the N1 will be submitted.
I have sent a short email to Martin Hickman at the Independent - you never know.....
-------------------------- Abbey - Won DPA Claim - Aug 06 and got bailiffs in to recover my court costs of just £30.00
Abbey - Won Charges Refund of £1050 - Nov 06 Egg - Recovered £220 due to Customer Services misinformation - Feb 2007
Nat West - Prelinimary Letter to recover on Credit Card charges £30.00 sent March 2006.
Abbey - Won DPA Claim - Aug 06 and got bailiffs in to recover my court costs of just £30.00 Abbey - Won Charges Refund of £1050 - Nov 06 Egg - Recovered £220 due to Customer Services misinformation - Feb 2007
Nat West - Prelinimary Letter to recover on Credit Card charges £30.00 sent March 2006. £25.40 offered - rejected and the bank reckons that this is it's last word on the matter. We'll see if that's still the case when it reads my N1 form sent recently. It has until the 17th April to respond or the N1 will be submitted.
It's only £30, but I want it Back! ***WON***
The Consumer Forums
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DUE TO WHAT LIFE DOES TO YOU. 
Originally Posted by Parkvale
