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.
Hi all been lurking here for a while and finally have a question.
A few months ago I recieved a letter from a finance company I have an HPI agreement with and had missed a payment by a week. I promptly payed on reciept of the letter from them. The same happenened the following month but in the 2nd letter they stated that they had now cancelled my direct debit.
As I was happy to ring up on payday each month and pay by phone I cancelled the direct debit on the cahoot website.
This morning I noticed a returned item charge on my account and after investigating further, it seems while I was over my agreed overdraft limit cahoot has payed the DD and then recalled it at the end of November and the same at the end of October, charging me £25 a time for the privelege.
As I had cancelled the DD myself surely they shouldn't be charging me for this and then charging 20% interest for the £25 pounds they have wrongly charged me
As I'm already in the process of claiming back the last 6 years worth of charges (just waiting for the full list of charges back at the moment) and I'm not sure if I should ring cahoot and ask for these back now or wait a little longer.
If anyone has any idea on this I'd be very gratefull.
It's up to you really - you could try phoning them up to get it back; or just add it to your claim. You'll definitely get it back with the claim, but it depends on how soon you need that charge back and how incensed your feeling!
I rang them - out of anger. Their response was that the direct debit was still active and if I had cancelled it, there may have been a problem with my internet connection timing out.
The guy at cahoot said he will refund the 50quid and it should hit my account within a couple of days (I'll make that next wednesday because of the weekend and because of the fact they're cahoot)
Now of course I am going to speak to the finance company to find out why they sent me a letter cancelling the DD and then re-activating it without my explicit permission.
Erroneous DD Charges?
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