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.
Hi folk, I have spent ages reading and have just started listing the charges after getting the statements, following a DPA letter.
The account, has been an interest current account, royalties, then royalties gold and is now back to the basic. I am still unsure of which charges I can add to the list and which I cant. I know that the fee for royalties is justified, however its not listed as that. Its usually ...chg to 27 a/c ****** £40.00, I retreived a slip and its made up of £28 maintenence and £12 fee. (Royalties Gold are currently £12.) So should I break down down the £40, keep the 40 or put that down to bad management on my part! There is usually three charges in a row.... Int(erest), chg and then a second chg which is overdraft/loan protection.
It follows a pattern, getting a referral or unpaid charge of £30 and then the 3 charges int, chg(£40) and chg
in my claim against RBS I just took the £28 and ignored the £12 royalties fee!
NatWest - Settled in full 22/05/06
RBS- Prelim sent 9/05/06 £1,147
£500 offer 27/05/06, rejected 30/05/06
LBA sent 25/05/06
MCOL 15/06/06
Defence received 20/07/06
Settled in full 01/09/06 wahey!!!!!!!!!
Jura and RBS
/loan protection.
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