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 was a student and went over my overdraft limit and was charged about £30 every month on quite a few occasions. If I switched anything, say a sandwich for £2.50, I got a £30 charge added to that as well (I know its no excuse to say i was a student - but i was really naive about finances)
Anyway...
The debt was transferred to a debt collector and I am currently paying this whole thing off... Am I also entitled to have the charges removed? How will this be communicated to the debt agency?
I have read the FAQ's and never found this answer, so I apologise if this question is anywhere else on the forum.
You need to persue the organisation that issued the charges, so if they were ALL by the bank, then that is the way to proceed.
If the DCA has added further charges, you'll have 2 claims to make.
Start the process as shown in the step-by-step guide and keep reading everything you can in our FAQs along the way.
John
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
I read something similar on another thread (had a quick look couldn't find it though ) a few days ago.
Most of the advice seems to have been to claim against the original bank as they were the ones who issued the original unlawful charges in the first place. Hope that helps.
(Yes I work for a bank but am here to help! Please be nice to me! )
Account handed to debt collector
limit and was charged about £30 every month on quite a few occasions. If I switched anything, say a sandwich for £2.50, I got a £30 charge added to that as well (I know its no excuse to say i was a student - but i was really naive about finances)
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Re: Account handed to debt collector
) a few days ago.
)