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 know you are busy so I won't take up too much of your time.
I am taking the Abbey National to court for bank charges. My bank account which they have now closed and passed to a debt agency last August is sitting at -68.67 the minus being two 32.00 bank charges and subsequent interest they attracted.
I have seen off temporarily the debt collection company for the 68.67 telling them that the amount is in dispute with the bank and I wasn't paying it.
When I am claiming from the Abbey do I just claim the actual charges I have physically paid or can I claim the ones which I have not paid but are bringing my account to show a -68.67 balance. (i.e. the two £32.00 charges in addition to all the others I am claiming for)
I should add the total amount I am claiming so far is £994 plus interest etc but do I include in my claim the amounts which make it a minus balance?
What do I do to get rid of the -68.67 balance and see off the debt agency for good?
Even though you haven't paid them, they have still been debited to your account, which means they'd expect you to pay them sooner or later. Therefore, you claim them too.
Welcome, go for it.
Apologies to people who I was in the process of helping, I may be gone some time.
What should I do?
National to court for bank charges. My bank account which they have now closed and passed to a debt agency last August is sitting at -68.67 the minus being two 32.00 bank charges and subsequent interest
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