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.
Last July I got myself into a bit of trouble due to an online gambling problem i had.
I didnt have an overdraft agreed or anything and I assumed that if i went over £0 that any card transaction would be declined.
Due to my stupidity and gambling addiction and after one night I withdrew £615 which was deposited into my online gambling account. Which instantly put me overdrawn by £574.
After this I got charged
£210 for "Commision"
£105 for "Commision Unpaid Items" (2 days after the £210 charge)
£6.77 Debit Interest
£8.91 Debit Interest
£8.91 Debit Interest
£25 for a Sevice Charge
£6.45 Debit Interest
£25 for a Sevice Charge
The bank rang me and tried to sort out how i can pay the money back.
They said they would freeze any interest I would have to pay and that I would have to pay £40 a month until the debt was cleared. They also said that they couldn't cancel the charges as I "borrowed" the money..which meant I had to pay back twice over what I "borrowed."
Anyway, I paid most of this off in bigger sums but after 2 months I got a phonecall asking when i will be paying it off and they didn't know anything about the £40 or the frozen interest. This person then asked if i would like a credit card to use to pay off the debt, I was a bit shocked by this as I thought that that's no advice to give to someone in financial trouble and I would obvioulsy be declined and even if i did want a credit card surely it would result in me being in more financial trouble.
Would i be able to make a claim against these charges or would I not be eligible due to the nature of which I "borrowed" the money?
Well i think the reason you borrowed the money does not come in to it no matter what the reason the charges are still unlawfull only part u cannot claim back is the debit interest.
Looks like you will gain the info you need from reading our FAQ sections - we cover all these points.
See the links below here....
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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.
Can i claim my money back?
agreed or anything and I assumed that if i went over £0 that any card transaction would be declined.
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