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.
Im after a little advice... About four/five years ago I was lucky enough to make the bank claims successfully. Recently I have managed to pay off my credit cards and want to claim back all their charges!
I have sent the statement request letter and received back my statements.
All charges are £12 for either late payment or over credit limit.
They range from between August 2006 and May 2009 and total a little over £400.
I have a couple of questions...
Firstly can i claim these back???
And on the calculator spreadsheet it has calculated 8% interest.... can i also request this interest back????
And finally ....the next step is to complete either the credit/store card template or the New POC Barclaycard form.....which would you recomend to use?
If you just want them back, BC will repay these with very little trouble. They will also usually add on a flat 8% bonus which they don't have to pay.
You can't ask for the 8% as shown on your spreadsheet until you file at court so, if BC repay voluntarily, you'll only get the flat 8% if you're lucky.
However, if the charges go back a few years and you're up for a fight, claim restitutionary interest on the charges. You'll have to file a court claim, aq and Court Bundle and pay the court fees, because BC will refuse to repay this. If you do it correctly, BC will only pay up just before the final court hearing. However the rewards financially can be significant.
Read the Interest Tutorial linked in my signature. This will give you an easier spreadsheet to use. Fill it in to see how much extra you could get by claiming the higher interest.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Moi Vs Barclaycard
.... can i also request this interest back????
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