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.
Do I just take everything listed on as 'charges'? I've got ones for £12, £20, £30, £38, £40 £60, £76 (this for unpaid standing orders) £90, £100 (this 100 was for an 'overdraft arrangement fee). All of these appear to be accounted for here http://www.consumeractiongroup.co.uk...e-charges.html apart from the £12, £20, £40, £76 and £100. Also can I just give them that total and tell them I will add interest when it's all done as I'm not sure how to do it and want to send my letter ASAP.
The current state of my case is that I notified them of intention to claim and they put it on hold before the test case. I haven't heard from them since. Thanks.
Wow, legend! Thanks for responding, I assumed no one was going to. Given that it's not that likely that I'll win the case now, should I just calculate it as best I can and send it off? If it goes to court and I'm slightly out, presumably I could state the correct amount in court?
Thanks, I didn't know I could apply the HSBC guide to it. I haven't got anything listed as "total charges" or "notified fees" as the guide refers to though.
If I make a minor mistake in calculating interest or charges I presume this won't be justification to lose the case? I'm just worried because there is so much money involved and it is hard to figure everything out. Plus my Mum lost the first 4 pages of bank statements so I won't be claiming for them by the looks of it!
Ihave finally found the page I was looking for. This has a list of all charges for different banks.
Try and be as accurate as you possibly can, but minor mistakes can happen. As for the first four statements, you can ask your bank for them, I know they will probably charge you X amount per sheet, or if you think there are several charges on there you could send another SAR letter.
I have altered the link in the above post, it has a list of charges for all banks.
arrangement fee). All of these appear to be accounted for here http://www.consumeractiongroup.co.uk...e-charges.html apart from the £12, £20, £40, £76 and £100. Also can I just give them that total and tell them I will add interest when it's all done as I'm not sure how to do it and want to send my letter ASAP.
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Originally Posted by Porthos
