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.
Thank you for your letter of........... regarding my request to yourselves for repayment of unlawful penalty charges levied against my account.
I am happy to accept your offer to repay £3,059.85,however I insist on my right of appropriation in requesting that this be paid to me directly in my name to the above address and without conditions by cheque.
I will not consider the matter to be settled if it is refunded by any other means,and will maintain my course to pursue recovery through the courts as outlined.
I trust this clarifies my position and look forward to your acknowledgement of this letter.
Yours Sincerely (if you know the person )
Yours Faithfully (if you dont)
What proportion (if any) of the overdraft relates to unlawful penalty charges ?
and is any of this reflecting in their offer......
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photoworks vs RBS
claiming the refund of penalty charges.
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