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.
After posting saga with Barclays (still awaiting cheques though) read on this thread http://www.consumeractiongroup.co.uk...-new-post.htmlI also received letters for three barclaycard accounts, all the same standard letters offering the difference between the charges I incurred and the reduced £12 fee following the publication of the statement by OFT.
The letter goes on to say if the reply does not meet with my expectations I may ultimately be eligible to refer to the financial Ombudsman service. details of this service available on request.:-|
Not sure what course to take now, should I calculate the difference with interest added?:? or what!!!
Ok but what rate of interest am I suppose to be claiming? Didnt really think at the time but worked it out on the bank charges calculator. Yeh I no its the wrong one!!:o
It up to you really. You can claim the 8% statutory interest when you file in court. The spreadsheet you have used should have calculated at this rate. Alternatively you can claim Contractual interest. You should be able to find this rate on your statement. Mine was around 25%. You need to use a different spreadsheet for this. The google spreadsheets in vampiress chambers are very easy to use and shareable if you have problems. You need to be aware that when claiming contractual interest you have to be very thorough in your preperation and make sure you are certain of the arguments you will use should you have to argue them IF it gets to court. It is however much easier to argue the contractual rate against credit card companies as it's the rate you have paid on the charges they have debited. There are lots of threads relating to contractual interest. Just do a search. Hope this helps
Barclaycard offer difference
(still awaiting cheques though) read on this thread
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