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.
Have started a new claim against the Halifax on behalf of my OH. Got statements. Wrote to them asking for charges of about £2000 to which they have offered £650 in Full and final settlemrnt. Have written back telling them she will accept as a partial refund. In the meantime they have added 2 more £39 charges - the first charge put her 59p over her limit at which point a cheque was presented for just £1.00 and they have charged another £39 for bouncing that! This just makes us more determined to fight these greedy crooks. Moneyclaim going in on the 20th.
We had worked out the interest at 8% and were preparing to do the N1 for just under £3000 but after reading some of the threads regarding claiming contractual interest we have decided to go forward on this basis at 18.9% (authorised rate) which takes the claim to just over £4000 (most of the charges in 2000 & 2001). Realise that we will have to send them a new lba to reflect this enclosing a new schedule of charges but we're at a bit of a loss as to how to compose this letter. If anyone could help with this we would be very grateful. We have used Vamp's spreadsheet to work out the charges so the figures are OK.
Wife's Account
on behalf of my OH. Got statements. Wrote to them asking for charges of about £2000 to which they have offered £650 in Full and final
settlemrnt. Have written back telling them she will accept as a partial refund. In the meantime they have added 2 more £39 charges - the first charge put her 59p over her limit at which point a cheque was presented for just £1.00 and they have charged another £39 for bouncing that! This just makes us more determined to fight these greedy crooks. Moneyclaim going in on the 20th.
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. Realise that we will have to send them a new 