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 everyone. What a great website. After reading alot of info on here i looked online at my statements for the past 6 years. I was amazed at how much i had been charged. £4585.07.
These charges come in the form of interest, charges and total charges. The charges/total charges range from £10 to £30 for the same thing. I wrote all the charges down but i'll now print off 72 pages and mark all the charges and send them with my letter.
When i ask for the money back do i ask for all of it or everything apart from the interest. Am i entitled to all the money or just a proportion as there entitled to charge me something. Another thing ive noticed is that sometimes ive been charged interest 2 or 3 times on the same day.
you can ask for everything that you have named wxcept the interest.You can claim part of the interest but it is complicated and hardly worth the time and effort needed so the majority don't bother , plus the bank is entitled to charge something to cover their ( very limited ) charges so usually its recommended not to claim it
The £10 charges seem low do you have some sort of account where you pay a monthly charge for it ?
When you want to fool the world, tell the truth. Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any
doubts.
What are total charges? I'm hoping you've not duplicated up here.
Re the interest, sometimes this is shown as gross, then tax deducted, then net, which could amount to your 3 figures on one day. Don't duplicate here either. You want to claim only the net.
No its ok ive not duplicated. There are times when they have taken for example.
£8.46 on 5th in interest
£1.94 on 5th in interest
£18 on 5th total charges
£36 on 5th total charges
£30 on 6th in charges
£30 on 7th in charges
£30 on 25th in charges
The interests on the 5th. Do they both relate to that account? Sometimes you can have interest applied on an account, but deducted from another if agreed beforehand.
It just seems so odd, but then, that's banks for you. Let them explain if necessary.
Ive worked out that the bank have charged me £4282.01 and £213.99 in interest over the last 6 years. Im not sure where to put the 8% interest that im allowed to add. There isnt anywhere on the request for repayment letter to put the amount.
You don't claim the 8% interest until you file a claim at court. If you mention this in your letter, the bank will realise that you haven't done your homework.
Now go to your room immediately and do your homework!
Hi all. Well today is day 14 and still no reply from the bank so i'll send my lba. Last night i started the spreadsheet for interest. I gather you just go over the top of what is already there but when i reached the totals it just deleated them and i wasnt shure how to carry on so i closed the spreadsheet not realising it was a web page so it didnt save so i'll have to start again. What have i done wrong.
I posted my lba but didnt send the charges Breakdown as i had already sent this with my first letter.
Today i recieved a reply stating that they dont agree that the charges are unenforcable, refering me to clause 7.11 in section 2 about overdrafts etc and that the charges are clear in their terms and conditions. Then there telling me to contact the Ombudsman.
Standard letter i suppose.
As i have already sent the LBA should i ignore this letter and wait the 14 days then start court action.
By the way it was signed by Colin Landale (senior service quality officer) based at leeds.
As i have already sent the lba should i ignore this letter and wait the 14 days then start court action.
Yes.
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TIMES UP. Didnt recieve a letter in the post today which is their 14 day deadline so i shall start the court procedings today. I havnt looked at the court website yet but i hope its fairly simple. Just got to work out the 8% interest now that i can add.
Once ive applied to the court does it take long to process.
HELP. Just filling out my court details online. Is there a correct wording to enter into the details of claim box. Ive looked on here but cant seem to find anything.
Brief details of claim is just that. A short description of what the claim is about, eg holiday claim, road accident, debt recovery.
Anything along the lines of repayment of bank charges is fine.
I put their address as 8 canada square,london. Hope this is the correct address. I suppose now i just wait. Is there a time scale of 28 days before its automatic awarded to me unless they reply to the court.
Lba Sent
. I was amazed at how much i had been charged. £4585.07.
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so i'll have to start again. What have i done wrong.
Originally Posted by speedy
