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.
Now, I know this is small fry to some of the claims going on out there, but HSBC have severely ticked me off by charging me £225 of excess overdraft fees in the last month. After being a customer for 15 years, I really don't expect them to kick you in the teeth the first time you need a little financial help (naive, I'm beginning to realise...!). I phoned the bank to see if they would waive the fees - they refused, but said they could raise my overdraft limit to stop it happening again. Well, if they're prepared to give me a higher limit, why are they charging me for going over my current limit?! Tsk...
Thanx for all the advice on this website. I have gone through my online statements as instructed - it's an educational experience, let me tell you! All that cr*p I've spent money on over the last 6 years...!
I have opened a new bank account, so as soon as I have signed the documents for that, I will send my preliminary request letter out.
Thanx again for the advice and the templates.
Mia
PS Advice for the day - when you move to the charity sector, remember to stop spending like you're still in the private sector!
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.
It's your money - if you are scared of it you can always give it to me
You've started, and you will finish by getting it all back. Good luck.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.
Damned shoe shops...they always get there before me...
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.
I'm well aware that I've had a supremely easy ride, and am very grateful for it. Massive positive vibes to everyone else who's trying to get their charges back.
Thanks for all the help and support - the well-deserved donation is on it's way...
Mia x
P.S. In case it helps anyone, I sent the prelim letter to my local branch manager (literally addressed to "branch manager"..local address...). I received my refund letter from a Colin Langdale, Senior Service Quality Officer, HSBC Bank plc, Service Quality Team, Arlington Business Centre, Millshaw Park Lane, Leeds LS11 0PP
Mia Vs HSBC
have severely ticked me off by charging me £225 of excess overdraft
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Originally Posted by oOMiaOo
