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.
Hi everyone. I'm new here and have just started my first claim with the Halifax. I have received all my statements (which they took a few weeks to send by the way - but I didn't get round to reporting them) and made a list of all the charges on there.
The charges amount to £1709.00. However, they closed my account down on 31st December 05 with £462.28 still outstanding. Presumably this will have to come off the amount I claim from them? Also on 31st December they put on debit interest of £9.57 then made an interest adjustment and took it back off. Also on 11th November 2005 they transferred £150 from the other account I have with them but the overdrawn balance seems to have been reduced by £450.14. Strange figure but essentially means another £300 written off by them unless it was a mistake. Any tips for how to reword the preliminary letter?
Just send the prelim letter filling in the total charges they have taken.
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What if I still owe them money?
. I have received all my statements (which they took a few weeks to send by the way - but I didn't get round to reporting them) and made a list of all the charges on there.
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