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.
Anyone saw this about a recent motion at westminster?
Early Day Motions (Westminster Watch)
05/06/2006
EDM2227 DEFAULT BANK CHARGES
Julia Goldsworthy - 22:05:06 - 44 signatures
That this House notes with concern the exorbitant costs to customers of default charges applied to current and credit card accounts, which cause distress and alarm to consumers, and in particular to the financially vulnerable; welcomes the statement by the Office of Fair Trading (OFT) that a default charge should only be used to recover certain limited administrative costs; recognises the work by Which? to challenge excessive bank charges; commends the thousands of consumers who have challenged these default charges with their providers, many using the free information made available from Which?; and calls on current account and credit card providers to respond positively to OFT's statement.
Another useful item to take to court?
For the record found this on the bankers association website so they should be aware of it lol.
Really fired up now. Pile of letters to post today and will open several separate threads in different forums later on.
Sick of being screwed over by the banks just when you need their help the most, sue em all lol.
ali
Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.
Goldsworthy, Julia Alexander, Danny Amess, David Anderson, Janet
Begg, Anne Bottomley, Peter Brake, Tom Breed, Colin Brooke, Annette Brown, Lyn Burstow, Paul Burt,
Lorely Cable, Vincent Campbell, Gregory Caton, Martin Clark, Katy Conway, Derek Corbyn, Jeremy Cryer,
Ann Davey, Edward Devine, Jim Dismore, Andrew Dodds, Nigel Drew, David Durkan, Mark Etherington,
Bill Flynn, Paul
George, Andrew Hancock, Mike Harvey, Nick Hermon, Sylvia Heyes, David Hodgson, Sharon Holmes, Paul Hoyle, Lindsay Hunter,
Mark Jenkins, Brian Jones, Lynne
Kemp, Fraser
Lazarowicz, Mark Leech, John Lloyd, Tony Llwyd, Elfyn
Marsden, Gordon McDonnell, Alasdair McDonnell, John Meale, Alan Moon, Madeleine
Naysmith, Doug
Penning, Mike Pugh, John
Rennie, Willie Robinson, Iris Rogerson, Daniel Russell, Bob
Simpson, Alan Spink, Bob
Taylor, David Taylor, Matthew Truswell, Paul
Vis, Rudi
Williams, Betty Williams, Mark Williams, Roger Williams, Stephen Willis, Phil Wilson, Sammy
Younger-Ross, Richard
Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.
I've just written to my MP to ask why he hasn't signed it yet and to fill him in on the details of the problem. Perhaps we should all be doing this where our MP isn't on the list.
Jeep (The Wife & I)
Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06
Halifax joint a/c new charges £1100 - LBA sent 02/08/06
Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)
Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far
Halifax Visa (#2) Data Protection Act sent - refunded £170 DONATE - Support this site, it supported you! Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet All advice given in good faith and without prejudice or liability, to be taken at your own risk!
Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.
My MP has passed my concerns on to Alistair Darling, but had this to say (my highlighting): -
'Although these charges might be considered unfair, I think that banks do need to make a charge to cover the administrative costs they incur when their customers are overdrawn. I also believe that bank charges can act as an incentive for people to manage their finances responsibly, which is very important in the current climate of rising personal debt. This is a very delicate issue and one that should be carefully considered.'
I'll be putting him straight on this later!
Jeep (The Wife & I)
Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06
Halifax joint a/c new charges £1100 - LBA sent 02/08/06
Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)
Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far
Halifax Visa (#2) Data Protection Act sent - refunded £170 DONATE - Support this site, it supported you! Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet All advice given in good faith and without prejudice or liability, to be taken at your own risk!
Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.
Too right mate! Have to be careful, though - many of them enjoy that sort of thing! :o
Jeep (The Wife & I)
Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06
Halifax joint a/c new charges £1100 - LBA sent 02/08/06
Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)
Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far
Halifax Visa (#2) Data Protection Act sent - refunded £170 DONATE - Support this site, it supported you! Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet All advice given in good faith and without prejudice or liability, to be taken at your own risk!
Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.
Click on the above link to place your order - payment by Paypal.
_________________________ _______
Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.
DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.
Advice given is purely my opinion, and is not based on any legal training.
I have spoken today to my local MP's office to ask why she has not signed the Early Day Motion as decribed above. I was told that government ministers cannot sign Early Day Motions at all, regardless if they are junior or senior ministers.
I was also told that if you are getting "stone walled" by the banks that you can also put your case through your local MP for support. I was also told that if this happens the MP would (depends on your MP'd view) write directly to the banks CEO and fight your case on behalf.
My MP's office sounded really positive and willing to help once they have received the full statement from the OFT.
I hope that other MP's will offer this help to any of you that require it.
I wrote to our local MP, Laura Moffat, who has just replied, as follows:
"I share your concerns about the way these institutions extract money from their customers and the appalling consequences they can have for people. I have accordingly written to Margaret Hodge MP, Minister of State at the Department of Trade and Industry, to find out her views and what she is doing. I shall write to you again when I hear further."
MP's support us!
and alarm to consumers, and in particular to the financially vulnerable; welcomes the statement by the Office of Fair Trading (OFT) that a default charge should only be used to recover certain limited administrative costs; recognises the work by Which? to challenge excessive bank charges; commends the thousands of consumers who have challenged these default charges with their providers, many using the free information made available from Which?; and calls on current account and credit card providers to respond positively to OFT's statement.
Reply With Quote
Originally Posted by alibobsy
Re: MP's support us!
don't be like the banks - give a little back 
