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.
okay read some more threads and getting more confused by the minute. sent lba yesterday but did not include Breakdown of charges(did that in my prelim letter. Now when i start mcol which spread sheet do i use as there are so many and how do i work out 8%. Thanks
Sorry,so stressed with it all i dont seem to be reading things properly.
Just read FAQs again and think i,ve messed things up. Only sent one schedule of charges and interest up to now.Is this going to matter or can i just send another when i start claim with court
If you've already sent a copy of your schedule with your first letter then this should be OK, with regards to the 8% interest, if you are using the Excel spreadsheet then this should automatically calculate the interest for you, although you don't need to send this until you file a court claim. Just keep reading through other peoples threads, the more you read the more you'll familiarise yourself with the whole process.
Don't worry about it we're all here to help each other.
Seems like you're feeling like I was about a month ago, but seriously, the more of this site you read and the further into your claim you go, the more confident you'll get.
I can't see how you can end up in more s..t when you've got so much help and support right here infront of you on this brilliant site!!
Yes the site is great. But i seem to be getting more charges by the day as the bank is dragging me further down. Can i add these additional charges on when i file a court claim and i think i may have forgotten to deduct advg fee.
Might be worth asking one of the Moderators about this, they're very clued up about the whole scenario!! I've found their advice very useful with regards to my claim.
Can i add these additional charges on when i file a court claim and i think i may have forgotten to deduct advg fee.
You can amend your claim (up or down) right up till you file at court and you can't claim the advg fee, so you need to sort out your schedule of charges before filing, even if this means delaying it. Once you file it's much more difficult (and costly) to correct any mistakes.
so if at the end of one month it has interest 46.25 and charge 40.00 what can i claim back? From what i can tell the amounts are for exceeding my o/d limit so can i just deduct £12 avgd fee and claim back rest
Thanks
Had my letter from Stuart Higley today saying he can find no instance where charges were not properley due. Their offer of £514 still stands on the proviso i return my cheque book and service card. if i decide to go ahead with proceedings then please make sure they are served at bishopsgate,and thank you for taking the time and trouble to contact us.
Do i now just carry on with claim and is this the usual rubbish he sends out.
1.When you go overdrawn the bank will charge you interest, perfectly lawfully.
However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.
Vampiress has a spreadsheet, (the advanced one), in the bank templates library, which attempts to calculate this
It's quite complex and unless your claim is large may not amount to that much, so for simplicity's sake, some people don't bother
This is the interest referred to in the preliminary and LBA letters.
2. Section 69 8% interest on your claim, but only when you submit a claim at court. Don't add this interest before moneyclaim
Thanks Micheal. Ihad a look at the advanced spreadsheet and i can only see the first page that tells you how to fill it in. Am i missing something or just being dumb
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maria v natwest ** WON **
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NAT WEST - WON - £4282.36
Originally Posted by mariamaney