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.
I have just received a pad full of Debs statements after requesting them 2 weeks ago. i want to hi light all the interests an also the late payment charges. my question is can i reclaim for the late pyt charges? they are either £12 or £15 pounds. Plus i heard that the company can only charge you twice for late pyts, is this true? I ask because I have a late pyt charge on every statement i've recieved from Debs and this stems back to 2005!! as I kept asking them to change my pyt date and they refused so they got thier pyts but it was always late because I paid it when i got paid and they said my pyt date couldnt be changed from the 19th of each month - hence i was always in arrears and charged for a late payment.:?
They can charge you as many late payment fees as they want but you can claim them all back including the interest as they are a penalty charge. Whether the charge is £12 or £15 makes no difference as it's still a penalty charge.
Late Payments Query - Debs Card
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