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.
Barclaycard charging earlier than they've admitted
This will now only have relevance to claimants wanting to go back beyond 6 years.
There's been confusion about when BC started charging "Out of Order", "Over Limit" and "Late Pay't" fees.
It's been suggested that BC were charging back in the 80's up to 1989 when they stopped due to competition. It's been said they recommenced charging in 2000 or 2001.
HOWEVER, I have my own state's which show an O.O.O. fee in Dec'r 1996 and another user has confirmed charges in mid 1995 shown on original state's. The amounts charged were £10 and £20.
Although my a/c was often delinquent back then, I was only charged occasionally and seemingly at random.
So if you are reclaiming beyond 6 years and have your old statements, make sure you check the older ones carefully for these charges.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Barclaycard charging earlier than they've admitted
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