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.
Hey Guys am new to this and have been looking through the information for a few weeks now and have finally got the courage to stand up to the RBOS and claim my charges back. However I just want to make sure I am doing it the right way and wonder if anyone could help me???? First of all I have about £1300 worth of charges alone so do I need to break this down into 2 claims so that each one is under £750 as I am claiming in Scotland? Secondly can I only claim for charges or do I need to claim interest on these charges as well? and thirdly if I need to claim interest do I claim my current contractual interest or the 8%? Am sure this is all basic stuff but i'd just like to be 100% sure before I send anything off to the bank.
Thanks
Firstly, you can go for the whole lot at once under "summary cause" procedure - that limit is at £1500 and the forms/ procedure is almost identical. The main difference is that should the bank defend at court and win, then you may be liable for their legal costs. That said, no-one has had to go that far so the risk is minimal.
Secondly, only claim for charges up to lba stage. It is once you file a court claim that you include interest and court fees etc. This is usually 8% although some people are trying for contractual rate (approx 29%). This is a bit more difficult to quantify and prove - but a couple of people have been successful.
Hope this helps.
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)
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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
Thanks for your reply J it was a great help and cleared everything up for me. Gonna get my letter and spreadsheet ready today and post. Fingers crossed eh.
Thanks again
S
Confussed
on these charges as well? and thirdly if I need to claim interest do I claim my current contractual interest or the 8%? Am sure this is all basic stuff but i'd just like to be 100% sure before I send anything off to the bank.
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Re: Confussed
