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 bought a laptop on a lease and the company I pay monthly to is Bank of Scotland corporate finance. On a 3 year lease there are only 4 more payments due, and all have been paid on time.
The payment was due on January 1st, and because of the holidays my account would have been 36p over my OD limit so my bank didn't pay it. Funds were paid in on the 2nd to cover everything. My bank has cancelled their £35 charge, due to the circumstances, and told me the dd would be re-applied for on 9th january, for which the funds are available.
Today I recieved a letter from BOS corporate finance saying they are charging me £35 plus £15, both plus vat, because of the refused dd!!!
I telephoned them and asked them to consider refunding, but was told, basically, its tough. Read our terms and conditions. I explained that my bank, (Halifax!!!) had refunded my charges as the amount over was so small, and he said he couldn't care less about my personal finances, read the terms and conditions. I mentioned going through the courts and was told if I think I've got a chance, do it.
TBH I don't give a damn about the £50, its the principal and unfairness.
I have claimed bank charges sucessfully from 2 banks, and just wondered if someone could confirm that these charges are also unlawful, as they are not, to all intents and purposes, bank charges. (But are penalty charges!)
Also, has anyone claimed in similar circumstances?
BOS corporate finance-anyone had dealings?
corporate finance. On a 3 year lease there are only 4 more payments due, and all have been paid on time.
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