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.
did you have a Student Royalties account? Do you know whether they charged you a monthly fee for having this account? I've read about a lot of people who have Roylaties Gold and Royalties Premier accounts and they get charged a standard fee which you cant claim back.
today i received the copies of my statement although it doesn't appear to be all of them - I shall see if some more arrive tommorrow - and go and visit my branch to get the rest if it doesn't
Ammount so far £582
I also got a letter mentioning my request for details on manual intervention and the response to that was complete bollox and not really relevant - a bit like politicians avoiding answering questions whilst trying to sound clever
They did mention that charges are leved according to the terms and conditions of the account which I expected and will ignore
Next stage planned for monday
If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else
Yesterday I received a second set of duplicate statement - gotta love their efficiency
I have worked out that the statements are complete - I have only had the account three years and most of the charges were applied in a 2 month period at the end of 2005
Working on the spreadsheet and I am planning on sending the prelimary approach for repayment on friday when I get paid
I also foun dout why the ammount I owe them made a step drop - I had teh account as a post grad and they didn't give me the advertised overdraft - so they refunded some interest - off their own backs
Just another £600 to come off it
If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else
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