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.
Pls Help which charges to claim ie underfunding fee query....
Hiya all
tried to find an answer to the underfunding of the account fee - ie 5.00 pounds for not funding the a & l account with the 500.00 required each month, im guessing that we cannot claim this fee?
Has anyone claimed it or would it only be the folllowing
34.00 payment review fee- cheque returned and not paid
25.00 payment review fee - item paid
5.00 exceeding overdraft limit fee - which amounts to a daily 5.00 fee for each day over the limit
25.00 unathorised overdraft charge
cant spot other charges on my statements, can someone pls advice and also do understand only charges incurred on the first letter and only add the 8% when supplying info to the court. Am confused on the interest charges too so not sure on claiming on that,
they have closed my account as it was a vicious circle paying back the charges all the time, have estimated about 800.00 charges.
am concerned about the no 3 on my credit file default, had different info from their advisors when i queried this, some said as long as i cleared the balance within 28 days of the date of their letter closing my account and bringing the balance to nil, which i have done will only remail at a 2.
anyone else experienced this? am looking at the info ref the default info and will be asking for my credit file in the near future only received copy about 3 weeks ago.
Pls Help which charges to claim ie underfunding fee query....
limit fee - which amounts to a daily 5.00 fee for each day over the limit
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