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
I'm a new member and I've been looking through this site for the last few days, trying to take it all in.
First of all I live in Scotland.
Since I opened my BOS account in 1998 I have retained all my statements. (I always told my wife they might come in handy)
I've composed a spreadsheet of my last five years charges.
The charges are listed into 2 main types.
1. Excess O/D Charge,
2. Charges to <date> & interest to <date>
charges 2 always appear together in the statement.
I therfore do not require to obtain a list of charges to my bank, so I should now be ready to write a Preliminary approach letter.
In the template in the section 'What I require' .
The first value, is this all Excess O/D charges + Charges to <date> ?
And the second value, all Interest to <date> amounts ?
I know I've more questions, but the answer to these would help get me started.
I'm no expert, feeling my way through all this myself, but my understanding is that the first amount is as you describe. The second one is only the interest that has been charged because the charge made you overdrawn - so if you were charged, say, £100, and this made you overdrawn by £200 for two weeks, your interest claim is for interest on £100 for two weeks. Yes, it's rather complicated to work out
Hi Calum
Unfortunetly I'm not a piper, I couldn't even hold a tune in a bucket !
Thanks for the info, I've now calculated the charges and interest. I've now sent the PA letter via recorded delivery.
i'll keep this post updated with my progress.
cheers
Ian
The BOS received my letter on the 15th Sept (posted 11th Sept) and sent me a letter about them investigating and could take up to 4 weeks.
I've now got my lba letter ready to be posted.
Should this not be posted until 29th Sept (14 days after they've replied to my PA letter ?)
Any info appreciated
Ian
I have done the same thing. I just got my investigation letter and little booklet on how to complain today. I will give them 14 days from today and then send the next letter. I think your about 4 days ahead of me. Good Luck ! Firey
Hi there
first time using this site and looking for some advice
i am at the stage ready to put info into spreadsheet but cant seem to locate it (having a dumb moment)
1. how do you get the spreadsheet? where is it located
Right, just back from holiday, received another fob off letter from the bank.
Time for court. I'm going to do it using a Summary Clause as the cost is about £1100, this will save having to do multiple claims.
Any major differences between using Small claims and Summary Clause (Remember I'm in Scotland)?
thanks
Ian
apart from potentially exposing yourself the the bank's legal costs - nothing really.
99.9%chance this wont happen as
a) the judge is highly unlikely to award costs to a bank at the expense of an individual and
b) It wont get to court anyway!
in other words......"Fill yer boots!"
j
1/9/06 RBS claim #1
8/11/06 - claim settled
17/11 claim #2 started - incl creditcard
30/11 - CC statements received
31/11 - Prelims issued - RBS paying up, only M/C to go)
If any of my advice/ info has been helpful, please click the scales
Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional
1/9/06 RBS claim #1
8/11/06 - claim settled
17/11 claim #2 started - incl creditcard
30/11 - CC statements received
31/11 - Prelims issued - RBS paying up, only M/C to go)
If any of my advice/ info has been helpful, please click the scales
Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional
ianhduncan vs BOS newbie help required...please
account in 1998 I have retained all my statements. (I always told my wife they might come in handy)
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Re: ianhduncan vs BOS
