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 previously had a loan which I cleared and each quarter would receive a statement showing outstanding capital, the monthly payment split into capital and interest following by the remaining capaital outstanding. I would pay say £90.00 each month and this amount would be split into increasing capital payments and decreasing interest payments.
I presently have a loan with the BOS who have top loaded my loan. I wish to dispute the charges and have asked the BoS to provide me with a statement showing my payments split as my previous lender but the BoS have refused point blank stating that it is too much work.
I therefore wish to calculate my own payments so that I can dispute the BoS charges. Does anyone know of a programme/site or the formula to work out my monthly payments in the method I wish to use. My previous lender were quite helpful when I spoke with them but could not help as they just input the figures when they start a loan and the computer calculates the monthly payments and splits the payments for capital and interest.
Interest charges
following by the remaining capaital outstanding. I would pay say £90.00 each month and this amount would be split into increasing capital payments and decreasing interest payments.
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