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 intend to reclaim credit card charges. These were stopped about 4 years ago, when the CCCS made up a payment plan for me. However, about 2 years ago, the BOS stopped accepting the agreement and started charging late payment fees, overlimit fees, and interest (the monthly interest was greater than my monthly payment amount).
I intend to try to reclaim the late payment & overlimit fees and also the interest charges. I'm wondering whether I can make two separate small claims: one for credit card charges before my agreement with the CCCS; the second for the interest & charges that have been levied since the BOS stopped accepting the CCCS agreement. I thought that I could do this because the charges were applied under very different circumstances (without/with CCCS). Can anyone advise on whether this sounds ok, or whether I'll need to make one small claim?
separate claims for charges and interest?
stopped accepting the agreement and started charging late payment fees, overlimit fees, and interest
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