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.
Thanks to anyone who answered my query about the spreadsheets.
Can anyone advise me if I should claim or not for the monthly overdraft charges? I'm about to send the letter requesting repayment, and I don't want to include these if they're legal.
If there a monthly fee you've agreed to pay for them to provide you with an authorised overdraft facility, then they're not a penalty charge. If you mean something else please give further details.
Oh, and good luck with your claim. Please tell your friends and colleagues about us.
Thanks Seminole for your reply - I'll take the monthly fees out of tje spreadsheet - it was just that I thought I'd remembered seeing advice to include them on Martin Lewis's website. But I could have been having a Senior Moment!
I'm still puzzled about these. I'd always assumed that they were a fixed monthly charge for use of the overdraft facility. however, on looking at my records as a whole, I'm not so sure. I get charged in retrospect for each set period. From 2000 to 2003,where there were no "transgressions" the charge was £8. 1 or 2 slips brought it to £10, and more to up to £25. This was on top of Failed direct debit Charges, etc. What is really confusing is that I was charged £10 or £25 several times for periods when the records show no bounced payments.
In 2003 the basic charge seemed to drop to £5 per month, but the £25 penalty remained
When I asked the girl at A & L about this she said the £25 would relate to failed transactions, but she could not tell me what the Monthly Overdraft Charge was for any of the years which I am checking, so that makes it difficult to assess what proportion, if any, is punitive.
A & L Charges
charges? I'm about to send the letter requesting repayment, and I don't want to include these if they're legal.
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