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.
being a student its hit me hard, especially when my bank wrote to me saying that there was an error and instead of charging me monthly, the are charging me annually, so end of much a big, fat lump sum was taken out of my account for 2006 and it hit me hard because my account went minus and when I received my wages, it was still minus!
So i guess u can understand what misery they have made my student life and what financial difficulties they have put me in because they charged me again this month, another nasty sum...
So from today I will start the whole process of getting my moneu back aswell as my wages..
I have sent a letter of complaint as a starter and will now prepare the SAR...
wish me luck everyone becuase seriously with me studies, its hard finding time and ebergy to do this..
Read around the forum (particularly in the Lloyds section) so that you get an diea of what to expect at each stage and see the kind of template responses you can expect to receive from them. If you want to read up on a complete claim from start to finish then check out our thread (amongst others in the successes sub-forum): Mindzai & Lucid vs Lloyds TSB.
Good luck. Lucid
Mindzai & Lucid vs Lloyds TSB *Won unconditionally with contractual interest (29.85% compounded) Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65
*All settled in full - 6/2/07
*Hearings - 7/2/07
*Prelims sent - 9/8/06
_______ GOT A COURT DATE? A guide to the later stages
All of the infomation you need is on the site. I found it really useful reading other peoples threads and reading about their expiriences esp with Lloyds TSB. This is my first attempt at reclaiming my bank charges and so far this site has helped me to navigate to the N1/filing at court stage.
I'm a poor student too. I know what it's like I've been having to beg and borrow off friends for the last month. It's humiliating. But I'm looking forward to getting 1,000 of Nationwide at the end of the month. From the banks altogether I will get about 4,000. This will pay for me to live for the rest of my course - finishes in Oct.
It will be worth it in the end, I promise you. Save time by making sure your letter asks for all transactions in your banking history (that way they should give you more than six years worth). The spreadsheet on moneysaving expert is dead easy to use.
Poor student vrs. LloydsTsb
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