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.
cap one have reluctantly agreed to refund me the excess charges on my card, however I am now reluctant to sign & accept as I am not sure if accepting their offer and closing the complaint will predjudice my PPI claim of £850 that is still on-going!
Can I still demand a signed copy of the CCA from them if I have accepted thier refund?
Changing the subject slightly, does their offer actually include any interest? Both the Financial Ombudsman Service and the Courts would allow 8% interest per annum (not compounded) to be claimed back on the charges. This can add up to a lot of money - for example, a 6 year old charge of £20 will attract 48% interest of £9.60.
If you sign to accept their offer and it is without interest, you will give up your right to that part of your claim.
Hi......To answer your query, the offer does NOT include any interest just the £245.00 in excess charges from 2003 to 2006! Do you think I should add on the extra 8% interest before accepting this offer of settlement
Jendoc
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
The simple way to calculate the 8% interest is to use Martin Lewis's calculator on his MoneySavingExpert website.
Others will suggest you claim the interest actually charged, which is harder to calculate but a much greater amount. However, it is much much harder to win, whereas the 8% is dead easy in most cases.
Many thanks for all the advice, it is much appreciated. I shall calculate the interest using the calc on the 'moneysavingexpert' site and DEMAND it be added to the intial amount!........Once this is sorted I will of course donate a portion of that refund to this wonderful site!!!
Advice needed regarding this Offer!!
have reluctantly agreed to refund me the excess charges on my card, however I am now reluctant to sign & accept as I am not sure if accepting their offer and closing the complaint will predjudice my PPI
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