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.
I've been offered a settlement of £1600. The true figure is over £3000.
To Quote the letter:-
"Whilst many of the services are provided without a corresponding charge, we do make charges when customers, by their actions, request an increase to or the creation of an overdraft in excess of their previously agreed limit. By reveiwing such requests we provide an additional service to customers, in many instances allowing items to be paid either by creating or increasing an overdraft. These charges can be avoided entirely by arranging suitable borrowing facilities in advance.
" For these reasons, we do not agree with the basis of your complaint. We believe that the charges we levy are for providing services and are not penalties or charges for default."
If you've been offered an amount lower than the original charges you're reclaming (excluding s69 8% interest) you should continue with the court claim.
Only accept an offer to refund charges if they're offering to refund all charges in full. However, please remember that the 8% interest cannot be reclaimed prior to filing at court.
Offered settlement.
in excess of their previously agreed limit. By reveiwing such requests we provide an additional service to customers, in many instances allowing items to be paid either by creating or increasing an overdraft. These charges can be avoided entirely by arranging suitable borrowing facilities in advance.
and would be considered " Full and final
settlement".
Reply With Quote
Re: Offered settlement.
