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.
in the libraries preliminary approach letter it states 'DON'T FORGET TO INCLUDE YOUR SCHEDULE OF CHARGES WITH THIS LETTER' can anyone explain 'schedule of charges to me'? or put me in the right direction to look for it.
Some banks have been delaying things at pre-court stage by claiming they never got a schedule of charges, which is basically, amount of charges, date charged, type of charge, etc... In order to stop that kind of behaviour, we have altered the template and suggest you send a detail of the charges rather than just putting a total amount.
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Apologies to people who I was in the process of helping, I may be gone some time.
No, that's the whole point. In your letter, you would say "you have taken xxxx from me", but in your schedule of charges, you'd detail: x date - unpaid d/d - £xx, x date - unauthorised monthyl charge - £xx, etc, you get the idea. Or you could do it from the spreadsheet in Library, might be quicker that way, and it will be done for when you file in court!
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Apologies to people who I was in the process of helping, I may be gone some time.
got it, ive got to itemise every charge made against me,ie if there has been 30 seperate charges , i must date them and show the amount charged.
i hope i have it anyway!!!
i'm sure if i wasn't sure others may be in the same boat so this will help others too.
going thru my bank statements there was around £700 of charges from april/may 2000, because this is six years and two months ago can i kiss these fees goodbye? thanks again
can anyone help,i'm just about to use the spreadsheet to work out a schedule of charges for my preliminary approach letter .
(i know not to mention interest at this stage) but i'm not sure how the interest thing applies.
am i claiming loss of interest on my charges? for example a £30 charge from 08/06/2002 would incur interest charges of £3.21.
however on the example it shows cleared transactions and an interest charge,this bit has me confused,why wold it show cleared transactions?surely we can only claim for bank charges
Firstly, if it is the 8% interest you are talking about, this is only to be added when raising your claim in court. If you feel confident with spreadsheets, take a look at the second one in the library.
Don't worry about the examples. You are right only to claim the charges they have made.
You may have been charged interest on your account. If so, some of this has been applied to unlawful penalty charges and is reclaimable, but the calculation is complex. Read the notes in my spreadsheet, and see if you want to go for that too.
i'm very new to this,but as soon as you mention complex i feel this would cause complications and not worth the hastle, i'm sure ' keep it simple ' would be the best advice.
also while you are there can i claim back 'referall fees'?
Kazandy v Royal Bank of Scotland
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Re: Letter - Preliminary approach for repayment.
