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 have started my claim today by asking for my bank statements. What do I do when I receive them do I have to calculate all the bank charges negating 12 pounds off each claim as that is seen as the lawful charge, or do I go for the whole charge.
Only going to claim for any non paid direct debits, bank charges and also any interest over my normal overdraft interest charge. IS THAT RIGHT?
First of all please look at the FAQ's section this should clear some things up for you and also have a look at the templates library.
Forget about the £12 this is muddying the waters. £12 is not seen as a lawful charge (it probably unly costs the bank between £1 and £2 - even less if everything is fully automated.
You need to tot up all your bank charges in full over the last 6 years (in England/Wales) or 5 years (in Scotland). If you wish to claim back interest (I would recommend that you do) you can charge them at the contractual rate for unauthorised overdrafts from the date of the charge - I believe for RBofS this is 29.84%.
You will find templates for excel spreadsheets to calculate this in the templates library I think.
DAN v RBOS
interest charge. IS THAT RIGHT?
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