consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-
Come and chat with us here (NB: External site NOT affiliated with CAG)

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
Debt Action Group > Bailiffs and Sheriff Officers

Bailiffs and Sheriff Officers Your rights when dealing with bailiffs and sheriff officers


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 18th April 2007, 17:17   #1 (permalink)
jackburton
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Oct 2006
Posts: 44
jackburton Novitiate
Default Claiming back Baillifs charges

Hi,

I had a visit from the Baillifs regarding unpaid Council Tax.

THis was the first visit and I refused to let the Bailif into the house and did not sign a thing.

I later paid up the full amount plus the costs over the phone.

As I've learnt from reading on here the most they can charge for the first visit is £24.50 if they do not get a levy/walking possession agreement.

I've got the court costs from the council ~£80.

Basically they have charged me £222 too much..

Now as I know exactly how much the council tax debt was, the court costs, the first baillif visit fee and the credit card charge, can I just proceed straight to a LBA for a refund of the costs? Or should I request in writing details of what the false charges are for.

According to the council who has online access to the Baillifs website, the case notes show a levy made and walking possession order signed... This is truely false and I've asked the Council to chase this as the document would contain forged information and signatures.

Any advise is very gratfully received?
jackburton is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th April 2007, 17:53   #2 (permalink)
Clandava
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2007
Posts: 16
Clandava Novitiate
Default Re: Claiming back Baillifs charges

Only thing I can think of is that they have levied on your car? But, i'd have thought they'd have had to put notification through your letterbox to support this.

Good luck with claiming back the charges.

Had a similar incident, bailiffs put notification through my door stating I owed them £256.33 + costs. I contacted the council, the debt amount was £102.88 and sent letters to both the council and bailiff company asking them to explain the charges. I received a second letter (through the royal mail, not handdelivered) stating that I needed to make a payment arrangement for £143.88 (that cost of the debt plus 2 visits).... the council took the debt back as I stated I was unwilling to deal with the bailiffs considering they'd attempted to unlawfully charge me additional costs that weren't due on the account.

Debt now back with the council and all the bailiff charges removed, only had original debt amount to pay, but lodged a complaint with the council about the bailiff and their charges.



Clandava is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th April 2007, 17:57   #3 (permalink)
jackburton
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Oct 2006
Posts: 44
jackburton Novitiate
Default Re: Claiming back Baillifs charges

Thanks for your reply.

The only thing they shoved through the letter box was that to contact a mobile number or they would come back with the intention of removing goods..

No sign of Walking Possession or anything to indicate something similar.

2 car on the driveway at the time. One was a friends and the other was my lease car so they'd not be able to have any claim on that as I'm not the regsitered owner or the registered keeper.

I'm trying to complain to the council but after an initial response I've had nothing.

it looks like it needs to go through the official complaints procedure.
jackburton is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th April 2007, 17:59   #4 (permalink)
Clandava
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2007
Posts: 16
Clandava Novitiate
Default Re: Claiming back Baillifs charges

Good luck, I'm sure someone on here will be able to tell you the best way to go about claiming it back
Clandava is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th April 2007, 19:08   #5 (permalink)
tiglet
Platinum Account Customer
 
tiglet's Avatar
Default Re: Claiming back Baillifs charges

First thing you need to do is write to the bailiffs head office, cc-ing in the council, stating the account is in dispute as you do not believe the charges to be accurate and that you expect no further action to be taken until this situation is resolved. Ask them to provide a full breakdown of costs, including what the fee consists of (showing appropriate receipts if applicable), when they visited, the name of the certified bailiff and the court at which he was certified.

Give them 14 days to provide thsi information or advise them you will report the matter to both the court which issued the liability order and the local government ombudsman.
__________________
The CAG is being sued for libel and therefore needs to raise money for a fighting fund.
If you do not want to see the end of CAG then please make a donation of whatever you can afford.


The donation button is near the top of the page.

See this thread: http://www.consumeractiongroup.c o.uk...ued-libel.html

All help is merely my opinion only - please seek legal advice if you need to as I am not legally qualified.
tiglet is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th April 2007, 19:29   #6 (permalink)
jackburton
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Oct 2006
Posts: 44
jackburton Novitiate
Default Re: Claiming back Baillifs charges

Thanks Tiglet, I will start the course of action up.

Unfortunately, I've already paid in full so I now need to claim the costs back... so asking to hold any action will not really help.

Basically, from the bailiffs records, they've said they attended my house on 22nd March, They did not..

Also, they have levied on a car which is not mine and charged me levy costs for it.

Total costs wew £220 when it should have been £24.50.
jackburton is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th April 2007, 19:46   #7 (permalink)
jackburton
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Oct 2006
Posts: 44
jackburton Novitiate
Default Re: Claiming back Baillifs charges

Just one final point..

From the councils email, the bailiffs said that goods were seized, they have basically said they levy (which I guess means seized) the car.

Does this mean that they would have to physically take the car away?

If they did not take it would they have to get us to sign a Walking Possession agreement to leave the car there?

The reason I'm asking as that the bailiffs has already agreed that a Walking Possession agreement was NOT signed (despite them saying earlier it was) and are refunding us this charge.. (£11)...

Thanks
jackburton is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th April 2007, 21:35   #8 (permalink)
tiglet
Platinum Account Customer
 
tiglet's Avatar
Default Re: Claiming back Baillifs charges

OK sweetie, then you need to send a LBA to the bailiffs to reclaim your charges. It's the same principal, but advising them that unless they provide the evidence or refund your costs, within 14 days you will start a small claims court action against them.

pm me or post letter here if you need any advice about doing this.
tiglet is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 19th April 2007, 10:07   #9 (permalink)
jackburton
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Oct 2006
Posts: 44
jackburton Novitiate
Default Re: Claiming back Baillifs charges

Thanks Tiglet,

Here's my LBA letter

Quote:
Alexanders Certified Bailiffs
Westmead House
Westmead Road
Sutton
SM1 4JH


Thursday, 19 April 2007

LETTER BEFORE ACTION

Dear Sir/Madam,

Council Tax Account Number: XXXXXX


My request

I am writing to request the refund of the false charges you have levied from me during your only visit to my house on the 5th April.


I have received from Waverley Borough Council a breakdown of the costs that you have wrongly charged and you have claimed for the following which are false claims;
  • A visit on the 22nd March in which you claim you got no answer
  • A levy (seizure) on a vehicle that I am neither the registered owner of or the registered keeper.
  • A levy of the above (2.) when no vehicle was actually removed.
  • A signed walking possession agreement
According to my communications with Waverley Borough Council , you have already agreed subsequently that a walking possession agreement was never signed and are already in the process of refunding this cost (£11). This therefore means you have already admitted to falsifying the claim. Based on this fact, you cannot charge levy costs because no goods were removed, no entrance to the property was granted and the vehicle in question is not mine.

I calculate that you have taken £298.26.

I am enclosing a copy of the schedule of the charges which I am claiming.

I require repayment in full of this money or evidence supporting your charges.

If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

Furthermore, I shall submit a complaint to Waverley Borough Council and the Association of Civil Enforcement Agents (ACEA).
And this is my schedule

Quote:
Claimed costs by Alexanders Ltd
Description of charge Charge £
Council Tax Charge 994.00
Summons costs 63.00
Liability Order 20.00
First Visit Cost 24.50
Levy 53.00
Walking Possession Agreement 11.00
Enforcement Fee 220.00
Card Handling Fee 69.33

Total 1454.83

Actual Costs owed to Alexanders Ltd
Description of charge Charge £
Council Tax Charge 994.00
Summons costs 63.00
Liability Order 20.00
First Visit Cost (5th April 07) 24.50
Card Handling Fee 55.08

Total 1156.58
Total of costs overclaims 298.26
Please can you let me know if this should be acceptable..?

Many thanks.
jackburton is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 19th April 2007, 11:24   #10 (permalink)
Herbie
Classic Account Customer
Default Re: Claiming back Baillifs charges

The letter seem fine to me, however you appear to be calculating the card fee at 5%. The majority of Contracts provide for a card fee of 3%

The overall amount that you have paid is £1101.50
I would include on the letter "Card fee @ 3% £33.04 , and let them come back to complain. The total amount therefore that you should be asking for is £320.29

Just a small final note, I would be inclined to only give until close of business next friday, ie: 8 days for payment.
Herbie is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 19th April 2007, 12:06   #11 (permalink)
jackburton
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Oct 2006
Posts: 44
jackburton Novitiate
Default Re: Claiming back Baillifs charges

Quote:
Originally Posted by Herbie View Post
The letter seem fine to me, however you appear to be calculating the card fee at 5%. The majority of Contracts provide for a card fee of 3%

The overall amount that you have paid is £1101.50
I would include on the letter "Card fee @ 3% £33.04 , and let them come back to complain. The total amount therefore that you should be asking for is £320.29

Just a small final note, I would be inclined to only give until close of business next friday, ie: 8 days for payment.

Thanks for you reply, I'll update the card fee..

Why only allow them 8 days, is this a reasonable time to allow then?
jackburton is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 19th April 2007, 12:10   #12 (permalink)
tiglet
Platinum Account Customer
 
tiglet's Avatar
Default Re: Claiming back Baillifs charges

It's basically fine, but I would include the following paragraph:

"If you believe the charges I have incurred to be legitimate, I would ask you to provide the name of the bailiff, the court at which he was certified, the date you believe the visit took place and what the fee consists of (please provide receipts where necessary)."

This can show the court later that although you strongly repuduiate these fees, you have given the bailiffs an opportunity to prove they are lawful before you commenced action - it will look good if it has to go in front of a judge, basically.
tiglet is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 19th April 2007, 12:12   #13 (permalink)
tiglet
Platinum Account Customer
 
tiglet's Avatar
Default Re: Claiming back Baillifs charges

I would personally allow 14 days - it again would show a judge that you have been reasonable in allowing them sufficient time to investigate - you can state 7 days, but IMO, 14 would look better.
tiglet is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 19th April 2007, 14:07   #14 (permalink)
Herbie
Classic Account Customer
Default Re: Claiming back Baillifs charges

TIGLET


i quite agree.
Herbie is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 19th April 2007, 14:22   #15 (permalink)
jackburton
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Oct 2006
Posts: 44
jackburton Novitiate
Default Re: Claiming back Baillifs charges

Thanks, you two have been absolute stars..

I'll post tomorrow via recorded and let you know how it goes.

Council are sitting on the fence on this one.

but from their last email to me, it appears they are starting to get a little suspicious on what's happend.
jackburton is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 19th April 2007, 15:37   #16 (permalink)
tiglet
Platinum Account Customer
 
tiglet's Avatar
Default Re: Claiming back Baillifs charges

They are responsible for the bailiffs and should look into it for you - if no joy, threaten them with the local government ombudsamn.

And you are more than welcome - let us know how you get on.
tiglet is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 20th April 2007, 15:51   #17 (permalink)
jackburton
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Oct 2006
Posts: 44
jackburton Novitiate
Default Re: Claiming back Baillifs charges

Letter is away today (recorded delivery).

Will forward copy to the council on