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.
Thought id mention this idea to see what others CAGGERS think.
The idea of everyone of us applying a charge to a DCA for everytime they contact us either by letter or phone.
If we all agree its a good idea, then we can decide on the level of charge & how to apply it etc...
Thought id mention this idea to see what others CAGGERS think.
The idea of everyone of us applying a charge to a DCA for everytime they contact us either by letter or phone.
If we all agree its a good idea, then we can decide on the level of charge & how to apply it etc...
Mr Ton, something i wholeheatedly agree with (i do it all the time)
i do not have the details but i know in the 80's a bank customer was charged 20 time every time the bank wrote to him about his arrears, in return he charged 10 pounds every time he replied
when he won his case against them the judge upheld his charges and i remember that his comments were
what's good for the goose is good for the gander
It is entirely reasonable in my opinion, to charge an amount every time you have to write to them in a dispute say 7.00 to cover your expenses and time.
I believe that in the event you get to court the judge would offset your charges against theirs if they win and award you them if you lose
not sure about phone calls though- especially since most caggers say they will not engage on the phone
at the very least 1000 caggers sending 7 quid invoices in every week would cause them huge logistical problems. and in my opinion is a VERY good form of protest which i already employ myself
Do you think it might be useful to ask OFT what a reasonable charge would be - after all we do not want the banks come back to us for unfair charges in the future.
well im not at the court stage with any of them at the moment so just as they keep piling up 12 quid fees whilst in default so i pile up letter fees and i try to make sure that every letter i send is reminding them or drawing their attention to legislation that they should already know and be abiding by
that way the court can see that i should not have to finance thier training in what they should already know
if and when i get to court stage (and it's looking right now that out of 8 cards NONE will get that far
the ONLY card that appeared to be based on a legitimate agreement
having checked their record on defective DN's on this site i took the gamble to sit back and wait and, hey presto faulty DN followed by termination
I am on course for 8 out of 8 at the moment in which case i am more than happy to write off my letter fee losses
you need to offer them "a service" in return for charging them.....one member wrote a letter offering his services for "staff training" and if they kept writing to him,they would have been deemed to have accepted the contract....and they did,so he billed them
apparently you just can't arbitrarily charge a sum for nothing
you need to offer them "a service" in return for charging them.....one member wrote a letter offering his services for "staff training" and if they kept writing to him,they would have been deemed to have accepted the contract....and they did,so he billed them
apparently you just can't arbitrarily charge a sum for nothing
No you don't need to offer them a service, nor do you need their permission
the charge you are making is to cover your costs of hardware, software stationery postage and you time in having to respond
in most of these cases they have intruded into your personal time and expense on the back of faulty agreements and lack of or disregard of the law which you have to take time to advise /correct them on
and which they should have known themselves
it is therefore perfectly reasonable to charge for this expense and time
i even deducted the cost of the truecall device (120 quid) from one card company;s monthly payment n when they ignored my first letter to stop telephoning me 5 times a day (and they have not questioned it)
EVEN IF
you were to be right. you miss an important point - the suggestion made by Mr Ton was really about dishing out to the OC's and DCA's some of the aggravation that they dish out and see how they like it
let them go to the expense of having to record and/or respond to all these invoices and if they are found to be illegal we just do what they do and forget them
I have actually started to charge £12 per letter to DCA's that chase me if they don't come up with the proof that the debt is mine.
I warn them of my charges and if they carry on writing back I respond with a letter with my charges on them and the usual if you don't pay up in 14 days etc then I have a right to begin court proceedings without further warning.
Don't know if it works as I've only started in the last couple of weeks! lol
However, had no letters back so far!
I like the idea of charging doorstep callers I do hope I get one! I can charge them for my consultation fee, the fee for using the CCTV recording their every action and word all to just tell them to 'go away' and slamming the door in their face. I think a figure of around £50 should be a good start.
Charging a DCA
for everytime they contact us either by letter or phone.
Reply With Quote
Just need some way to apply the charge.
Originally Posted by mr.ton
