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.
Hi ,just joined this site today, still exploring, found an amazing amount of information already. Have already sent my first letter requesting information and have received six years of statements. Am a little confused about what charges to add up. When our account began spinning out of control we asked for an overdraft from the bank to cover direct debits that were coming out before wages went in and they refused. So have no interest on overdraft a/c to calculate, but plenty of referrel charges at £14.00 and unpaid D/D's at £38.00 and letter fees at £13.00. And also in 2001 this banks refferel charge was £9, do i claim that back even though it is under the legal £12.00 (if it is legal) so unsure about all this.........HELP
The OFT report said that £12 what the point at which they would intervene, not that this was to be taken to reflect the cost, which a penalty charge must do, so yes, you can claim back that referral fee as their costs are likely to be much lower.
just sent my letter of to the first trust bank today so keep me posted, also trying to figure out how to claim as a sole trader for a business account with them
hi there, how you all doing? i'm still waiting on statements for one account - 40 days up in less than a week - and preparing to lodge small claims in a week or so for 2 others, as i don't expect to have heard anything before then from the bank... do keep me posted!
Little me V BIG FIRST TRUST BANK
from the bank to cover direct debits that were coming out before wages went in and they refused. So have no interest on overdraft a/c to calculate, but plenty of referrel charges at £14.00 and unpaid D/D's at £38.00 and letter fees at £13.00. And also in 2001 this banks refferel charge was £9, do i claim that back even though it is under the legal £12.00 (if it is legal) so unsure about all this.........HELP
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