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.
Im just starting to claim my charges back over the past 5 years from the Bank of Scotland. Ive just recieved the statements through and need a bit of help.
firstly do i need 2 copies of the statements one to sent with the first claim letter to the bank and 1 for me?
Also ive noticed an interest thats taken from my account on the last day of the month stating "interest debited notified last month" which ranges in amounts??
could someone please help me through the first stages, thanks x x
Hi there frances you really need to read up on this so as to know yourself what steps to take. the statements you send with your first letter is known as schedule of charges, you need to do this manually as its only the charges you need to send them. The interest you refer to is what they have charged you for going overdrawn this is why this ranges in amounts dependant on how much you were overdrawn, hope this helps.
Honestly you wont have a problem, best to read up whenever you get a chance as it will become so much clearer and in the meantime any questions ask away.
just starting a claim, can anyone help?
. Ive just recieved the statements through and need a bit of help.
thanks x x
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