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.
This is quite a straightforward one and sorry if it reads as smug (my real problems are with Lloyds and Halifax, believe me).
I've just looked through my Barclaycard statements and spotted one charge for late payment.
I know it sounds like £12 isn't worth fighting about, but I'm going to write to ask for it to be refunded anyway and thought some of you might be interested to see how such a small claim progresses.
That is, unless a £12 charge is acceptable. I know that the OFT ruled that companies shouldn't charge more than £12 and would have to provide 'substantial evidence' if they did.
Anyway, seems like it's worth a message through their website.
I'm going to do the same for MBNA (their late payment charge was £20) and will keep both threads updated if anyone is curious.
... out... in... out... I'm shaking it all about...
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Re: FM v Barclaycard (£12 claim)
Er, if you're thinking you'll need to go to Court, you'll need your own audit trail - I'd suggest using the templates on CAG to ask for your money back, then tell them you want it back, then a letter before Court action. Unless you can prove what message was sent "through their website", I'd avoid that option.
Usually, if you haven't had charges before, some companies may refund them willingly on request as a one-off.
Always happy to help where I can!
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FM v Barclaycard (£12 claim)
and Halifax
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