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.
hello today i have received my last bank statements for 5 years,now the £5 ive been charged as gone over my overdraft i will be overdrawn by £3 and i have bank charges at the end of febuary of £28.
now do i pay this £28 or just leave it. its my first time on the forum so i need info about reclaiming i am reading other reviews.
i had a credit card with Nat West it went to a debt collector Moorcroft and i dont know the charges ect so how do i reclaim when it goes to moorcroft.i only get statements for cccs.
hello today i have received my last bank statements for 5 years,now the £5 ive been charged as gone over my overdraft i will be overdrawn by £3 and i have bank charges at the end of febuary of £28.
now do i pay this £28 or just leave it. its my first time on the forum so i need info about reclaiming i am reading other reviews.
Ok you can reclaim that £28 and also the £5 they charged for the statements. You need to spend some time reading I suggest you start with the FAQs and the step by step instructions this will give you a sound knowledge of the process. Also read some success threads in your bank forum. There are links in my signature.
last week i went into my local branch i asked for my last 5 year of statements which i was charged £5.
anyway at that time i sent a letter requesting a list of charges ,now they have sent me a letter saying in order for us to progress this request please send the fee for £5 basically what do i do ive got them from my local branch!!!
ive added all my charges up so whats the next stage thank you.
your next stage is the time consuming bit, adding up all the charges and coming to a total. Once you do you are onto the preliminary approach for repayment letter, you should make a schedule of charges ie date order, charge and amount which you will need to send with the prelim. Make sure YOU keep a copy of it as well, you may need it later on in the process.
ive got a question need advice ive been paying NWB £7 monthly via ccs now can i reclaim that back with my charges and intrest ,and will i have to pay the overdraft off aswell . thanks advice much appreciated.
in the schedule as any 1 reclaimed the money they have spent seding letters to the bank, im all set to send the prem recorded delivery plus £5 for my old statements, do others claim for everything..
I am aware of a few cases (not just bank charges cases) where recorded delivery was not reimbursed. Judges felt that the system deems a letter delivered within 2 days o posting, and that it is not necessary, and is therefore not a reclaimable cost.
Having said that, no harm in including it, and see whether they'll try to argue it or not.
Incidentally, you do not need recorded delivery. Go to PO, and obtain a certificate of posting. These are free (bonus!), and prove that you sent the letter (not that it arrived), which is all you need to concern yourself with. ;-)
well i added up all my charges ect sent prem on 5 march i didnt send it recorded is that a bad thing??
also i am being charged whilst prem is being dealt with im not going to pay them £28 or late fees.
so basically what do i do 22 march is the last day for them to reply.
lordi234vNat West**WON**
i will be overdrawn by £3 and i have bank charges at the end of febuary of £28.
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Originally Posted by lordi234
