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.
They're my current bank after bailing from NW a few years ago, they're ok but tricky buggers with the charges, and that's after NW
SAR sent off today for two separate accounts plus my coop credit card, I used to love that their helpdesk guy could see my smile accounts and the coop cc account on the same screen but money took five days to move from one to the other
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.
If it's any consolation I'm thinking about round 2, although there was a threat of closing my account if I did it. Would that help at all? I've got my arguments pretty well sussed so I don't honestly think that ethical smile will do it, but you never know.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.
can't have too many dramas, a closed account with bailiffs actioned to reclaim their overdraft and make you homeless would be a splendid prequel to my thread once it gets started
you can do the smooth efficient thread
I'll do the one with screaming, wailing and pleas for immediate help and advice on an hourly basis, I've got small children and a huge mortgage and numerous dreadful debts
Seeing as I'm the newbie with no arguments at all, sussed or otherwise
I've got large children (they get even more expensive ) a fair size mortgage and numerous dreadful debts, but you go for it. Is the hippos open mouth significant at all? LOL
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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 was thinking more about small crying children looking destitute than expense to be honest
It might signify me yawning from being so bloody tired all the time although the youngest is more or less sleeping to a decent time lately, there was an ugly and protracted spell of 5am starts that wear a man down
I should confess that my wife is a barrister although only in here third month so far so now real sacks of used tenners to use as pillows yet
got the coop statements a while ago with a covering letter detailing the three accounts I SARed for
waited and eventually secure messaged them asking where the other two accounts were
A 'Manager' apologised and said it had been passed to the relevant department
yeah right, they said that on day one and did nothing, I've replied asking for a due date, I feel a non compliance coming on as soon as my N1s for NW and Barclays hit the post box
ooh and a cheeky £50 of charges this week for two withdrawals over the weekend totalling £18, no money for them because they bounced a DD (it was £3 short) and then took the money anyway and didn't put it back until the following day, the DD was to their own COOP CC, all very interesting how money payable to themselves leaves the account even when it's been refused
The only reason I know for not going for CI is that there is no legal basis for claiming it. Some have been lucky and got it, while others have had their claims rejected by the courts because of it. Given the stance the courts are taking at the moment after the Lloyds wins I'd strongly recommend that you don't risk it. You're a long way from needing a bundle.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.
there so is a legal basis for claiming it, defo is, and if a person claims unauth/auth/stat in the variance there's nothing to lose and everything to gain
as it happens I've just done charges and the portion of debit interest due to charges on one of the bank accounts, comes to a bit more than I thought, £250 odd, the auth CI at 9.9 isn't worth claiming, the charges are only 2 and a half years old
might see for the cc though
what stance are the courts taking after the Lloyds one? Everything I read on here suggests the banks are close to losing patience with the banks and the Lloyds was a one off likely to be reversed on appeal
Can you please quote the legal basis for claiming CI. I'm not aware that anyone on the site has managed to find any so if you know something we don't ..............
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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 woudn't panic too much if your claims are under £5k so likely to be in small claims. For even more of a shocker you may want to read this, and heed the warning to accept charges plus statutory interest and not pursue CI if that is all that's not on offer.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.
No probs. As long as you're aware of the implications. Striking out is not necessarily a fast track thing, but the difference is that in small claims you are much less likely to have to pay the banks costs if it gets to court. I don't think you need to worry unduly, but you have seen what happened to Cankster by pushing the envelope.
There are still plenty of judges, including the Mercantile judge in London who are clearly not happy with the banks, and in my eyes his view carries far more weight than a those in local county courts, and the one in Bristol who ordered costs against Lloyds.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.
Hippo v Smile
sent off today for two separate accounts plus my coop credit card, I used to love that their helpdesk guy could see my smile accounts and the coop cc account on the same screen but money took five days to move from one to the other
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) a fair size 
