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've just received my statements for the last 4 years from Halifax.
I'm preparing the first letter to send off to them, one thing I'm not 100% on though, is where you have to include a 'schedules of charges' what exactly should I include? The statements with the charges highlighted? A typed out list, for example:
6/10/04 Charges as notified £30
20/12/04 charges as notified £28
on so on..
Also, where it mentions that I can claim 8% interest on charges, am I eligible for this? I didn't have an authorised overdraft on my account, therefore I wasn't charged any interested for being overdrawn, just the £28/£30 charge.
I'd appreciated it if someone could clarify the above points for me.
Look in the library for the spreadsheets which when completed become your schedule of charges. There are instructions for using the spreadsheets but if you need help come back and ask.
You can't claim the 8% interest at this stage. That's only if it gets to court and you add it into your claim when you prepare your court documents.
Read as much information on the forum as you can before you begin the process.
I've just received my statements for the last 4 years from Halifax.
I'm preparing the first letter to send off to them, one thing I'm not 100% on though, is where you have to include a 'schedules of charges' what exactly should I include? The statements with the charges highlighted? A typed out list, for example:
6/10/04 Charges as notified £30
20/12/04 charges as notified £28
on so on..
Also, where it mentions that I can claim 8% interest on charges, am I eligible for this? I didn't have an authorised overdraft on my account, therefore I wasn't charged any interested for being overdrawn, just the £28/£30 charge.IF you had a bank account its usual for the bank to charge you interest when you either go overdrawn or exceed and authorised overdraft.
This will show up in your statements simply as interest debited from your account.
You can reclaim it if you have paid it.
I'd appreciated it if someone could clarify the above points for me.
Dan
Re interest and the 8%, this is known as Section 69 interest and can only be claimed when you file at court.
However, should you so choose you can add contractual interest when you send your first pre lim letter to the bank.
HTH
Glenn
Kick the shAbbey Habit
Where were you? Next time please
Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless
Abbey 2nd claim, two Accs - claim issued 30-03-07 Barclaycard - Settled cheque received
Egg 2 accounts ID sent 29/07 Co-op Claim issued 30-03-07
GE Capital (Store Cards) ICO says theyve been naughty
MBNA - Settled in Full
GE Capital (1st National) Settled
Lombard Bank - SAR sent 16.02.07
MBNA are not your friends, they will settle but you need to make sure its on your terms -read here Glenn Vs MBNA
Help please: A couple of questions
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Originally Posted by dn852k4
