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 sent away a prelimary approach for repayment letter that they received last Friday for charges totalling £676 and £63 interest (I had already been charged). I received a letter today telling me a manager will be in contact with me in no later than 4 weeks.
Do I stick to my original deadline and send them the letter befor action next week at the end of the 14 days?
Also, I have a positive bank balance at the minute and so am not being charged interest on the charges. Am I still entitled to claim the 8% or will that show the bank I don't know what I'm doing? If I am, at which point would I claim for that?
Give them 14 days only, they are trying to stomp all over YOUR deadlines.
Apply the interest regardless of the state of your account, this is money THEY have taken from YOU and if it had been left in your account then you would have earned interest, they have borowed it off you, make them pay.
When you add the interest is a matter for debate. If you are adding it as 'contractual' then it should have gone on at the start, if you just mean the 8% that the small claims court will award you, it should be left off and only claimed in the court particulars (as I understand it!)
But I see you are in Scotland so I'm not entirely sure how it goes for you.....
Baindosan against BoS-What next?
(I had already been charged). I received a letter today telling me a manager will be in contact with me in no later than 4 weeks.
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Re: Baindosan against BoS-What next?
