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.
My advice is to roll the dates forward to avoid the statute of limitations which prevents you from claiming back more than 6 years. You can go back 6 years from the date that the claim is issued in court.
If the account was closed in December, that might be enough to put the claim below £5000 as well.
Regards, Rooster.
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Thanks for the help, so as long as my claim is just below £5000 not including the 8% interest that will be fine? It works the interest out to about £1100, does this not count within the £5000 limit?
hi
my claim is over £5000, but i am claiming the lot plus the interest, i have been advised to ask for it to go down the fast track route when i get sent the allocations questionaire.
Cases over 5,000.00 cannot go to small claims, and as long as it's under that amount before adding the interest that should be fine. The advantage of small claims, is that the bank can't claim costs if you lose. Bearing in mind that the banks don't go to court though, the danger of this is miniscule so I wouldn't worry if it goes over 5k.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
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Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
My claim is £5159, what to do?
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