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.
Just about to put my prelim into the rbos. A bit late i know, but what the hell i'm going for it anyway You never know !!
Am claiming around £1500 in charges. Now then, i've included all the bits of interest they have charged. They range from 35p - £10. I'm not sure if i should be including this or not ( around £120 )
Iv'e had various amounts of authorised overdrafts ( of which i have gone over the limit many times ) over the last 6 years so difficult to work out what interest i should be claiming
Anyway do you think it's worth it or should i just stick to the charges ?
With regards to reclaiming interest, I'm assuming (from your post) that you mean the overdraft interest. You can only reclaim the portion of overdraft interest that was applied because penalty charges sent you overdrawn/over your overdraft - you can't reclaim it in it's entirety.
So if (just as an example) your overdraft was £1000 and charges sent you £30 over this limit, you could only reclaim the portion of the interest that relates to the £30.
To work this interest out correctly, make sure that you download one of the advanced spreadsheets as they explain how to calculate the reclaimable amount of overdraft interest.
Best of luck x
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Dobbydog V Rbos
You never know !!
they have charged. They range from 35p - £10. I'm not sure if i should be including this or not ( around £120 )
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