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.
I thought our sofa loan ended last month, but I got it wrong and did not leave the money in the account for them yesterday. OOps. Had a lovely £39 charge from the bank for unpaid DD and now just looking at my paperwork ahve noticed that Hitachi may do the same with £30 charge. Can they do this? Or can I say "see ya in court?"
Karen
05/01/07 S.A.R - (Subject Access Request) posted 07/03/07 Offer made of £457. Rejected. Offer remade of £651, accepted. 26/03/07 PAID IN FULL
Could do with some help on this one guys.
Have just had to pay a £32 charge for returned DD to Hitachi capital. I asked for a Breakdown of how they came to this charge which was refused. Lady on phone said that I didn't have a leg to stand on in court as I signed a credit agreement. Is this correct? Any help greatly appreciated
Karen
05/01/07 S.A.R - (Subject Access Request) posted 07/03/07 Offer made of £457. Rejected. Offer remade of £651, accepted. 26/03/07 PAID IN FULL
Kazdoc - there are a couple of Hitachi threads on here - do a search - I shall certainly be going after my £200 in charges once I've paid off the old debt. Go through the process (Prelim/lba) as normal - just change the words to suit (regarding banking account etc) and see. I seem to remember that Hitachi settled with one person just before the LBA expired. (Its "Bean's" thread in this section) - I will go and check.
Best of Luck
Jackie
Abbey: Settled - now for no. 2
Dudley Building Society : claim dismissed - no costs
London Scottish: settled in full
Capital One - settled in full
"Energy and persistence conquer all things" Benjamin Franklin
Any advice, information and thoughts given by me are just my humble opinion
Jackie, thank you so much; I'm not sure how to do a search so thats why I didn't previously do one. How do i do one? Need to see if there is a thread for Studio catalogue, as my poor pensioner mummy is being snowed under with charges and now she has cleared debt i really want to help her.
I am now going to claim for £32 off Hitachi even though they said I had no legal standing. Poo to them I say!
Karen
05/01/07 S.A.R - (Subject Access Request) posted 07/03/07 Offer made of £457. Rejected. Offer remade of £651, accepted. 26/03/07 PAID IN FULL
Kaz - just use the wording of the template letters - they will say that to you just to put you off. Keep everything in writing now and stick to your timetable.
Best of Luck
Jackie
Abbey: Settled - now for no. 2
Dudley Building Society : claim dismissed - no costs
London Scottish: settled in full
Capital One - settled in full
"Energy and persistence conquer all things" Benjamin Franklin
Any advice, information and thoughts given by me are just my humble opinion
Hitachi are bonny fiddling bstards.. not only do they charge you £32quid for a missed DD but also the bank charges you £35 for the DD rebound.. so you're hit with a double whammy of £60.. not to forget the £25 cost to send a letter to you.. any udates yet on your case me auld boy?
Hitachi Capital
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