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.
A few days ago I sent my preliminary letter to Halifax asking for my charges to be returned to me. I added all the totals up and put down that amount. today i get a letter from halifax :o telling me that my account will be charged another £28 at the end of the month for exceeding my overdraft limit. Can someone tell me how do i go about claiming this extra £28 back after the prelim letter has gone out to them or do i have to forget that one?
dont worry i had the same problem, just add it to the letter before action (14 days after the preliminary)
even after the Halifax settling i still have one £28 charge to claim
Halifax preliminary letter sent 17/05/06 charges £2661.00
Bog Standard blah blah blah letter received 22nd May 2006.
received lengthy letter dated 24th May 2006 offering £605 pah!
letter before action sent registered 5th June 2006
letter received in response to lba offering £1801.00 errrrr no ta
court action filed 23rd June 2006
deemed served to bank on25th June 2006
notice of acknowledgement of service has been filed
they intend to defend
7th july received letter PAYING IN FULL!!!
10th July cash deposit £112.58
10th July cash deposit £2869.00
charged again
asking for my charges to be returned to me. I added all the totals up and put down that amount. today i get a letter from halifax :o telling me that my account will be charged another £28 at the end of the month for exceeding my overdraft
Can someone tell me how do i go about claiming this extra £28 back after the prelim letter has gone out to them or do i have to forget that one?
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