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 received a bland response in addition to my 6 yrs statements saying that when I signed up with the account I agreed to the terms and conditions. They didn't say they would or would not refund the charges. DO I go straight to the letter of legal action next? Their charges contributed to me almost going bankrupt and had to sign a Trust deed. I had banked with them for 20 years and got charged at evey opportunity by them.
Letter of Legal action isn't next - it's a prelim letter first. Head over the FAQ section and read the Guide to reclaiming bank charges. Make sure you follow the process properly.
If my post has been useful, tip my scales and let me know
I sent the initial letter with the SPA letter to speed up the process but neglected to put the amount in as I was unsure of the total until I could verify I had the correct info. Therefore do I resend the the initial letter with the actual amounts rather than submitting the lba letter.
Sorry but I was advised by another website to submit both at the one time.
Personally, I would advise you to send the prelim again with the correct figures on and give them 14 days.
Run through the Guide to reclaiming bank charges in the FAQ section and follow through the process as this states. This might be seen as a way of speeding up the process but the I can't see how it would work. How can you claim for an unknown amount? Bit of bad advice in my opinion.
If my post has been useful, tip my scales and let me know
Not your fault, you have no reason to believe the (supposedly) sound advice of a site that is offering help on what to do. The advice on here is sound and you will find that a lot of people end up here seeking advice to resolve problems caused by bad advice elsewhere.
Anyway, you are in the right place now
If my post has been useful, tip my scales and let me know
Wishy Washy Response to Iterim Request
statements saying that when I signed up with the account I agreed to the terms and conditions
Reply With Quote
Re: Wishy Washy Response to Iterim Request
Thanks, I feel foolish now. however onwards and upwards, I want to make the B's pay me some if not all of the cash back 
