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.
right a really important question, Ive done three banks and won them all, now onto my credit cards.......ive done the spread sheet for one of them,
Now the question, CAN I CLAIM BACK ALL THE interest THEY HAVE CHARGED ME SINCE THEY HAVE BEEN APPLYING CHARGES, OR JUST THE CHARGES THEY HAVE APPLIED ie LATE FEE, LETTER CHARGES, ETC!
This is important and i know all you guys are really busy, but a quick response would be greatly received
You are entitled to reclaim any interest that has accrued on the penalty charges, only.
Any other interest is basically a charge for lending you the cash.
i.e. the interest that you would have been charged if there had been no penalty charges is not reclaimable.
Regards, Rooster.
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SO HOW WOULD THAT LOOK ON MY STATEMENT......WHAT WOULD IT SAY, CAUSE BASICALY IM GETTING CONFUSE TRYING TO SEPARATE IT ALL?
also abit confused from michael browns response: in this post Trying to fill in money claim online...scared...please help!
Charges Yes interestYes
£10 S.A.R - (Subject access request) FEE Yes
Court Fees No, these will be added automatically
Postage???? - 4 letters sent recorded delivery so far Yes, if you have receipts
Printer materials No
Time and effort??? No
If your claim gets to MCOL stage, your MCOL claim form should specify that the amount you are claiming is charges + credit card interest (the interest that was applied to your charges) and ideally state the individual amounts, before adding court interest.
That spreadsheet caused me a few problems yesterday. Initially I thought I'd done it correctly but was unsure so this morning sent the prelim off without the charges interest added.
Halifax - Credit Card: 14/11/06 sent S.A.R, 29/12/06 sent Prelim, 11/01/07 1st bog-off received, 15/01/07 LBA sent, 01/02/2007 MCOL started for £1801 (inc court costs and 8% int.), 02/02/2007 MCOL cancelled... , 09/06/2007 Court claim started, 01/06/2007 Claim Acknowledged, 07/06/2007 Claim concluded, £1540 to be reimbursed into CC account. GE Capital Bank Ltd - Storecards (3): 11/06/07 sent S.A.R, 15/06/07 Acknowledgement of S.A.R received GE Capital Bank Ltd - Wife's Storecards (2): not started yet... Nationwide - Current A/C: not started yet... Lloyds TSB Bank Ltd - Current A/C: not started yet... Lloyds TSB Bank Ltd - Business A/C: not started yet... and the rest I haven't remembered so far... : not started yet...
Interst Or Not Interest
THEY HAVE CHARGED ME SINCE THEY HAVE BEEN APPLYING CHARGES, OR JUST THE CHARGES THEY HAVE APPLIED ie LATE FEE, LETTER CHARGES, ETC!
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Re: Interst Or Not Interest
