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.
Hi all, Just a quick questiuon really, i am just wondering what i can claim back/ if i can make a claim against them. (commercial first).
i have had a mortgage with them for about 3 years now and the charges they are putting onto the account are just silly. i.e. £25 for non payment for DD, Late fee £50 and so on. so just wanted some help and advice if possible thanks.
If you need more information please feel free to ask and i will post
Yes you can begin a claim for all charges that are similar to the bank penalty charges.
You need to follow the same process submit a SAR get all the information and then start sending in the letters requesting the unlawful charges are refunded.
Good luck
There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.
Read through the FAQ Section.... Use these links :grin:
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Halicrap - Full settlement 12/06 £408.34
Crapitol 1 - Settled in Full 27/04/07 £15808-)
All & Pester - Claim served £5695 4/09, Stayed
Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09
Lloybles - No CCA, CPR disclosure notices served.
Hi all, Just a quick questiuon really, i am just wondering what i can claim back/ if i can make a claim against them. (commercial first).
i have had a mortgage with them for about 3 years now and the charges they are putting onto the account are just silly. i.e. £25 for non payment for DD, Late fee £50 and so on. so just wanted some help and advice if possible thanks.
If you need more information please feel free to ask and i will post
If you haven't already got your statements to make you list of charges you'd like a refund for - do as suggested above and send a Subject access request - ask for "everything they hold on this mortgage account" you'll get everything you need to enable you to make your list asking for your refund.
Once you've got that information together - use the spread sheet here in CAG to write up you schedule of charges that you'll be asking for a refund - the spread sheet will automatically tot up the 8% interest you can ask for too.
Adapt the Preliminary Request for repayment letter - it gives the company 14 days to refund your money. (letters are all in the template library here for you to edit to suit your needs)
Then send the letter before action letter - this gives a further 14 days to the company.
The company will probably tell you "no - it's just bank charges - it's in the mortgage papers about the charges for a mortgage" - or words to that effect.
Copy all these letters and the companies reply/refusal to repay your money with the schedule of charges to the fos (Financial Ombudsman Services) there is a link to the complaint form in the A-Z list here in CAG.
FOS will investigate it for you and chase the company for your charges refund etc.. there is no ned to go the court route etc.. unless that's the route you'd prefer to take. Most companies will sort the problem out rather than have FOS investigate them for what they are doing.
Commercial mortgage, what can i claim back??
with them for about 3 years now and the charges they are putting onto the account are just silly. i.e. £25 for non payment for DD, Late fee £50 and so on.
so just wanted some help and advice if possible thanks.
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Originally Posted by gazhodge1981
