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 really have some nerve. In April I went over my overdraft for two days. They charged me £25 for the three different bills they had to pay within those four days, so £75 total. THey initially refunded me half of that (£37.50) I sent my preliminary letter in for the remainder, and they have till 2 June to reply (thats the 14 business days)
I just received a letter yesterday saying they are charging me £25 on 4 June for an Unauthorised Overdraft Charge. So I called them & spoke to Ginnesh. Ginnesh told me that the £25 pound overdraft charge is "different" to each of the £25 Paid Item Charges. He also had no idea about the letter, and said they will take the money no matter what. When he asked me if there was anything else he could do, I told him he better find my letter and give it the attention it warrants. I read these posts and am so glad of all the money you have all received back. I'm asking for a very little bit; and I'm afraid they just wont pay it.
It is just 14 days not 14 business days so you won't need to wait until 2nd June. Definitely worth going for it. They rely on people not bothering to follow through. Go for it
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.
Thanks Lueeze, thanks Caro! I have submitted my claim! I am so nervous:
Submitted today for £92.50 total.
This includes 1.5 paid item charges at £25 (so £37.50, since they refunded 1/2 of one)
THe £25 unauthorized charge theyre about to hit me with.
and £30 court fees.
I know its not a great deal of money, but it belongs to me, not them.
If this works, I might have more nerve to take AbbeyLife to court over the high penalties they levied when my husband moved his pension. Problem is, its already been through the fos and there isnt alot of precedient for cases like that, plus the court charges are at that point in the hundreds of pounds. Still thinking on it.
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.
Just got home to a letter in the post. It is a Notice that Acknowledgment of Service has been filed. Group Legal Services has ticked the I Intend to Defend All this Claim box. Signed by their solicitor. Is this bad?
They do this to see how far you are prepared to go just keep to the steps and keep us posted and you will recieve support from us.
We do always warn people that your claim may go into court so to be prepared.So far not one bank has walked into the court room.
When you want to fool the world, tell the truth. Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any
doubts.
A&L are SOOOOO Cheeky!
for two days. They charged me £25 for the three different bills they had to pay within those four days, so £75 total. THey initially refunded me half of that (£37.50) I sent my preliminary letter in for the remainder, and they have till 2 June to reply (thats the 14 business days)
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