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'm really new to this (only got told about the site last night) and am still reading through threads before I get involved, just a quick question regarding what I can actually claim. Recently I have been a bit bad and have been writing cheques with my cheque guarantee card even though I have no funds in my account. I am now aware that I can claim back unpaid DD charges as well as charges for unauthorised overdraft charges but the Woolwich charge £35 for a forced cheque charge, are they allowed to charge this or can I also claim back these charges.
This is a reclaimable charge, although i wouldn't recommend doing it too often! you shouldn't really be writing cheques if you know the money isn't in the account! they will probably write to you soon asking for your chequebook back, so be careful ok?
I QUESTION THEREFORE I AM!!
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Thats great, I will add these in when I get enough info to start the ball rolling, I know that I shouldn't be writing them but its difficult when you need to get things (Petrol, Shopping, train fares to work) and you have no means. They took the book off me about 4-5 years ago but they gave it back to me about a year ago. I just wanted to make sure that they never came back with something along the lines of I'm commiting fraud by writing cheques when I know that there is no money in the account, I get paid in to the account so they know that they will get it back (along with an extra £35 in charges) but if I can claim all these back then I may as well include them.
This is a reclaimable charge, although i wouldn't recommend doing it too often! you shouldn't really be writing cheques if you know the money isn't in the account! they will probably write to you soon asking for your chequebook back, so be careful ok?
Or like Nat West and HSBC they will offer to help by putting the overdraft and charges into a loan.
Forced Cheque Charges
charges but the Woolwich charge £35 for a forced cheque charge, are they allowed to charge this or can I also claim back these charges.
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Originally Posted by cillitbanger
