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.
I've just asked for a settlement figure to purchase a new car and what I've received includes administration charges in the amount of £1035.90.
I had a period over 2 years ago when I changed banks and obviously changed my direct debit details. It took several months for them to change this over successfully even though I had written confirmation from them that they had changed the instruction. They continued to attempt to draw the money from the wrong bank account even though I phoned them every month and told them about the problem. Each time I phoned them, they insisted that they had sent out a fresh dd form in the post and each time it did not arrive. On several occasions I phoned them the morning the money should've come out of my account and paid by debit card as it had still not been set up. Even the occasions that I phoned them on the day and gave them payment, they still sent letters post dating the payment for which they were charging £15. I was expecting to have admin charges of possibly £200 - £300 which I intended to dispute but this is a joke. Ha anyone been through this? Is there anything at all I can do about it?
Yes, this type of charging is unlawful - just like bank charges!!!! I would suggest that you send them a letter advising them that you are disputing the charges - and your reasons why!!!!!
You'll find the template letters in the bank charges section. Obviously you will have to change the wording to suit your needs but this is absolutely outrageous!!!!
I got a settlement figure yesterday re my car and I am sure it includes charges. They havent actually sent me the "workings out" though so I will have to get back to them to get a Breakdown.
Thanks for that Annie, that's what i thought. I also have the written confirmation that they had set the direct debit up on the correct account on 20th July 2004 so I guess all I have to do is prove that the money was in the correct account on that date. They finally set up the instruction successfully on 14 June 2005.
Update: I've just got written confirmation from my current bank that Online Finance set up the direct debit on 17th June 2005 and didn't draw any monies until July of 2005. I have written confirmation from them of the direct debit being set up with the correct bank details dated 14th July 2004 so I am asking to have all charges in this period quashed.
Well something positive for a change, although I'm waiting for written confirmation, I offered to meet them half way without admitting liability for any charges explaining the circumstances and written evidence I have and they've agreed to reduce the charges from £1035.90 to £500. While I'm sure that i could possibly push it further, I just want to get the matter resolved and get the car I'm after and this will enable them to do this. Just goes to show that the talking to people nicely and offering to compromise approach in the first instance can work.
Online Finance - Settlement Charges
details. It took several months for them to change this over successfully even though I had written confirmation from them that they had changed the instruction. They continued to attempt to draw the money from the wrong bank account even though I phoned them every month and told them about the problem. Each time I phoned them, they insisted that they had sent out a fresh dd form in the post and each time it did not arrive. On several occasions I phoned them the morning the money should've come out of my account and paid by debit card as it had still not been set up. Even the occasions that I phoned them on the day and gave them payment, they still sent letters post dating the payment for which they were charging £15. I was expecting to have admin
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