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.
Righto, they've annoyed me. Despite being reasonably impressed by their online service, I cannot take their inconsistent approach to customer service (i.e. sometimes we write, sometimes we don't, sometimes we cancel all your direct debits without warning, sometimes we take away your overdraft without warning leaving you at a petrol station in the highlands with less than quarter a tank and no way of paying for more to allow you to get home safely.................yo u get the idea).
Final straw has been to just suddenly cancel everything on my account, demand my card back threatning court summons, etc, if it's used because a direct debit for under a fiver bounced! I've had problems previously while setting up direct debits and standing orders because I moved from getting paid monthly to 4 -weekly which is a nightmare! My salary goes into my account on Friday and I have no way of getting it as I don't have my card anymore.
So, prelim letter has now gone to them saying, "Give me my money", close the account and send me a cheque for what is left.
Bank and credit card reclaims - £9,806
Sainsburys CCA non-compliance with FOS;
Natwest reclaim of £340 in progress;
Egg credit card reclaim in progress
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Not yet, they've had the prelim letter with the lba due in a few days time.
Bank and credit card reclaims - £9,806
Sainsburys CCA non-compliance with FOS;
Natwest reclaim of £340 in progress;
Egg credit card reclaim in progress
lba has now been sent claiming back just under a thousand pounds - let's see what happens over the coming fortnight!
Bank and credit card reclaims - £9,806
Sainsburys CCA non-compliance with FOS;
Natwest reclaim of £340 in progress;
Egg credit card reclaim in progress
And a secure message in response to my lba sent by recorded delivery and secure message?
We have received your letter about the charges on your account. You should have received a letter from us letting you know that we are looking in this for you.
However, we work to timescales set by the Financial Services Authority. We are allowed up to 4 weeks to reply to your initial complaint. However, law allows us a maximum of 8 weeks to respond to your complaint. If we need anymore time after the initial 4 weeks we will let you know either by secure message or written letter.
I think not!
Bank and credit card reclaims - £9,806
Sainsburys CCA non-compliance with FOS;
Natwest reclaim of £340 in progress;
Egg credit card reclaim in progress
Yes, also in Scotland! To be honest, I'm quite happy to use the English system to get it all back at once. I used Newcastle county court for both Nationwide and the Halifax claims and found it fairly straightforward. Would be happy to follow that route again!
Bank and credit card reclaims - £9,806
Sainsburys CCA non-compliance with FOS;
Natwest reclaim of £340 in progress;
Egg credit card reclaim in progress
I don't know what the problem is with Smile - even this month they refused to allow my mortgagedirect debit even though there was a balance of £3K in the account and the payment due was for £700!
No smile here!
Bank and credit card reclaims - £9,806
Sainsburys CCA non-compliance with FOS;
Natwest reclaim of £340 in progress;
Egg credit card reclaim in progress
Sorry, having a blonde moment - why congratulations?
Bank and credit card reclaims - £9,806
Sainsburys CCA non-compliance with FOS;
Natwest reclaim of £340 in progress;
Egg credit card reclaim in progress
It is indeed - wee person, wee mortgage! Luckiily if I tried to by my place now it would apparently cost just under 3 times what I paid for it, so I don't envy my new neighbours!
lba deadline for Smile with me today. Nothing in my account, no secure messgae response other than the one telling me that they had an 8 week timetable.
Oh well, they have until tomorrow at 5pm (because I'm feeling generous) and thereafter I'm applying to the Courts.
Bank and credit card reclaims - £9,806
Sainsburys CCA non-compliance with FOS;
Natwest reclaim of £340 in progress;
Egg credit card reclaim in progress
Can I ask how you plan on processing your claim through the English system? Are you using a friends address? I'm in the same boat as you now and am unsure how to proceed???
I've just done mine manually using my own address with Newcastle county court - on the off chance I need to go it's a fw hours on the train!
Bank and credit card reclaims - £9,806
Sainsburys CCA non-compliance with FOS;
Natwest reclaim of £340 in progress;
Egg credit card reclaim in progress
Only if you do it online via Moneyclaim - manually Newcastle county court have previously accepted mine for both Nationwide and Halifax so no great problem.
Bank and credit card reclaims - £9,806
Sainsburys CCA non-compliance with FOS;
Natwest reclaim of £340 in progress;
Egg credit card reclaim in progress
Another victory against the banks! All monies now in my account from Smile!!! Woo hoo!!! Time to change my signature too!
Bank and credit card reclaims - £9,806
Sainsburys CCA non-compliance with FOS;
Natwest reclaim of £340 in progress;
Egg credit card reclaim in progress
Hi bathgatebuyer. Just wondering if you had actually filed a court claim before smile coughed up? How long was it from sending your lba to payment? Was there any correspondence between you and smile after the LBA?
I am eagerly following the progress of recent payouts and have noticed that smile is strangely putting in a defence against planet_moomin. Did you get to this stage?
My LBA is due to be sent this Thursday and I'm interested about what I can expect from smile. My gut feeling is that they're still one of the nicer banks to deal with and as a result they are snowed under with claims (wohoo!).
I didn't have to file the court claim - I had it prepared but never sent it (due to being busy with work stuff rather than anything relevant to the case). The weekend I was going to send it, I received a letter from Smile advising that they would put the money into my account. A day later, there it was! That was just within the 8 weeks timescale that they appear to be putting on these things.
Bank and credit card reclaims - £9,806
Sainsburys CCA non-compliance with FOS;
Natwest reclaim of £340 in progress;
Egg credit card reclaim in progress
Bathgatebuyer v Smile ***WON***
without warning leaving you at a petrol station in the highlands with less than quarter a tank and no way of paying for more to allow you to get home safely.................yo u get the idea).
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No smile here!
Originally Posted by Micky the Hippo
