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.
Basically any charges incurred through not having enough funds to cover money going out.
Bank charges are legitimate, BUT banks are not allowed to profit from them. The Office of Fair Trading investigated credit card charges and said there is no way it costs £28 + for customers to go overdrawn.
Banks were asked how much it actually costs and to prove it, the banks refused.
They also refused to prove bank charges. Which is why we can claim.
So far, banks have paid out about £3 million in refunding charges, but are still getting £3 billion from them!
So it is not in their interest to be honest and admit the real cost is, say, £12, as they would lose £15 billion!
Martin Lewis thinks the actual cost is about £2!!! So you can see how much they would lose!
Which is why they always settle out of court. If they went to court they would have to prove it costs them £28+ everytime a customer goes over the agreed overdraft.
Sally x
bank charges
, can I still claim even if Ive had cheqs returned through lack of funds?
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