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.
went through all my bank statements last night again and all the charges applied to my account including the interest adds up to £4381:49. However some of the charges are £10 for the running of my overdraft, should i leave these and the interest out or should i request repayment of it all.
Also the charges they applied to my other account add up to £1079 should i claim them together or seperately
The £10 fee is for a 'service', therefore unclaimable
There are 2 instances of interest you can claim: 1.When you go overdrawn the bank will charge you interest, perfectly lawfully.
However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.
Vampiress has a spreadsheet, (the advanced one), in the bank templates library, which attempts to calculate this
It's quite complex and unless your claim is large may not amount to that much, so for simplicity's sake, some people don't bother
This is the interest referred to in the preliminary and lba letters.
2. Section 69 8% interest on your claim, but only when you submit a claim at court. Don't add this interest before moneyclaim
Combining the 2 claims will take you over the small claims limit of £5000, so claim separately
From now on start a new thread in your banks forum and post progress and questions there and you'll get plenty of help.
can someone advise me on this
, should i leave these and the interest out or should i request repayment of it all.
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