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.
1ST sent a letter to royal bank asking fora full list of charges (got that back today) without money being sent to them for it now got to do my spread sheets but don't know weather to add charges as refarrals not quite sure if anybody can help please get intouch
second I would like to appologise to bankfodder for the email this morning sorry ok
2nd done my calculations now found out that the bank owe me 3k plus not inclueding intersest and fees going to send letter of now asking for it all back with a full list of charges that they have took out of my account.
3rd
just received a letter back saying that there charges are fair and reasonable what a load of, they have offered me 515 pounds out of k3000 so sending of another letter rejecting the offer see how we go from there
Are you asking whether to include referral charges? If so then definitely include them.
The charges on my statements were either:
UNPAID DD CHARGE
MAINTENANCE CHARGE or
REFERRAL CHARGE
Most of them were for £20, £30, £40, £60. It soon adds up when you get going. I would just write them all down with the date of the charge first and then enter them in the spreadsheet that you can download from here. The 8% APR column will increase each time you open the spreadsheet (ie. using todays date on you computer so if it's different than last time don't be surprised). Each time you send a letter just ask for the amount plus interest in your spreadsheet on that date. Also add on any other costs like court costs or recorded delivery. Use guaranteed next day as you can claim this back from the bank anyway. I would also add a bit for the time you spend (eg. £xx per hour) but don't itemise it just include it as additional costs.
If you look at my thread (RBS & going to court) there are some examples of the letters I've sent. Here's my first one:
My request
I am writing to ask you to refund to me the charges which you have levied from my accounts over the last 6 years. I now understand that the regime of fees which you have been applying to my accounts in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.
Your responsibilites
I would draw your attention to the terms of the contract which you agreed to at the time that I opened my accounts. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.
I am frankly shocked that you have operated my accounts in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.
What I require
I calculate that you have taken £XXXX in charges from the above accounts plus overdraft interest.
My targets to resolve this matter
I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.
I will give you 14 days to reply to me accepting unconditionally my request in principle and letting me know a date by which I will receive payment.
If you do not respond or you do not respond positively within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.
After that will be no further communication from me and I shall issue a claim at the expiry of the second deadline.
Your’s faithfully,
[Your Name]
**good luck. It may take a few months but it will be wort it!**
SHAUNBOY VS RBoS
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