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 completely new to this but I'm fed up paying First Direct an average of £75 per month in charges over the last six years so I'm going to take them on.
The thing is that my total claim - excluding any interest - is over £5,300.
I've read the FAQs which say...
"However, there are actually some advantages to claiming above £5000 - this is discussed in greater detail on the forums."
But I can't find that bit on the Forum. Anyone point me in the right direction?
Basically there are pros and cons with either approach.
On Small Claims the limit is £5000, and the most you can lose if the claim fails is your fee (up to £250). You can claim again for the balance, but the bank may try and have it thrown out as a serial litigant (especially in Scotland where the max is only £750).
On Fast Track the limit is higher and you could lose up to £750 in costs if the claim fails - BUT - the bank can be ordered to disclose their costs, and as they don't want to, they are more likely to settle.
Jeep (The Wife & I)
Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06
Halifax joint a/c new charges £1100 - LBA sent 02/08/06
Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)
Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far
Halifax Visa (#2) Data Protection Act sent - refunded £170 DONATE - Support this site, it supported you! Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet All advice given in good faith and without prejudice or liability, to be taken at your own risk!
£5000 Limit???
- is over £5,300.
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