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.
Sat with my statements , print outs and highlighter pen last night, woah ! 4 figure sum and the first one is 3.
I am unclear even after much reading around the forum, which charges I claim back ...
-all charges.
-o/draft interest.
-only the charges that are less than the amount of the transaction.
-unauthorised use of o/draft.
Anything which is a charge for doing something you're not supposed to, like bouncing a cheque/DD, or going overdrawn without permission. Also, you need to add interest of 8% per annum to the charges. There is a spreadsheet on the forum somewhere with the formulas all set up, so all you have to do is blug in the dates and amounts.
Robertxc v. Abbey- £3300 Settled in full Robertxc v. Clydesdale- £750 Settled in full Nationwide v. Robertxc- £2000 overdraft wiped out, Default removed by order of the sheriff Robertxc v. Style Card- Default removed by order of the sheriff Robertxc v. Abbey (1)- Data Protection Act action. £750 compensation Robertxc v. Abbey (2)- Data Protection Act action. £2000 compensation, default removed
The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.
Which charges can I claim back?
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Re: Which charges can I claim back?
