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.
have looked at this site and it is great
Here is my dilema sept 2005 i made a complaint to abb** complaining that they charged me 39.00 for being over drawn 20p for 24hours before the cheque cleared, they refused to refund it months had gone on i sent a letter of complaint they sent me a letter back nothing was resolved i spoke to the FOA they said i had case next thing thing i know i am looking at re-claiming over £1500 in bankcharges, a year and a half had past and i was still waiting March 07 abb** through the FOA made an offer of £672 for this to all go away (in that time they had closed my account and added a default against me ) i refused the offer on the the fact that they needed to remove the default because as far as i was aware it was unlawfully added because my case was still going throug the FOA.. to cut a longer story short i decided to take them to court abb** filed a defence and i am now going to court on the 29th of June i am slightly worried because i have not heard anything from Abb** after they sent me the defence
Hi Rudibo, as your court date is very close, you should consider contacting Abbey via email to request a settlement. Send your email to Inga.Kirkman@Abbey.com or Louise.Jacobs@Abbey.com point out that your court date is 29th June and let them know your total claim including interest, court fees and your costs (as I presume you have already submitted a court bundle) you are entitled to claim £9.25 per hour preparation time (30 hours seems reasonable) plus extra for postage costs, paper, ink etc. Usually they will respond very quickly in cases like yours and agree to settle for the full amount but you might need to haggle a little to get your full amount, if you hold out though you will get it! All the best.
29.1.07 - S.A.R - (Subject Access Request) letter sent to Abbey
17.2.07 - Preliminary letter sent to Abbey
5.3.07 - LBA sent to Abbey
28.3.07 - N1 filed at Worcester CC!
1.7.07 - AQ filed at Worcester CC
6.9.07 - Court Date!!!
james i have not sent a court bundle!!! do you mean sending my evidence to the court 2days before the court date also i was not a OA form because they said that it was not needed in this case
That's fine if you only have to submit papers 2 days before court date, usually the judge asks for bundles to be in 14 days before court date, that was why I thought you would have sent it in by now. Even if you haven't sent it, you have probably spent a while on it already preparing it and you could add these costs on too when you request a settlement. Hope this helps!
29.1.07 - S.A.R - (Subject Access Request) letter sent to Abbey
17.2.07 - Preliminary letter sent to Abbey
5.3.07 - LBA sent to Abbey
28.3.07 - N1 filed at Worcester CC!
1.7.07 - AQ filed at Worcester CC
6.9.07 - Court Date!!!
i recieved the court date notification on friday the 22nd of June !!!!!
i have my statements, i have collated all the charges and all the correspondance that i have recieved from Abbey and FOA regarding my complaint/claim and also the offer that Abbey made via FOA which i will be sending tomoroow recorded delivery to the court , however i will be sending an e-mail to abbey as you suggested, I am still worried because i have not heard anything from since they sent the defence, which was a standard defence letter, Once i recieved there defence i wrote them a letter that i will still be pursuing the claim stating that how could they say that i was not liable for any monies claimed when they made an offer via the FOA, i never got a response from them, anyway thanks for the advice and i will let you knowe the outcome
Hi James33 i took your advice and i e-mailed Inga @ Abbey i told her that my court date was the 29th she responded immediately and stated that She did not have a clue about this and asked me to e-mail the court details because they have had such a backlog..she said she would atempt to make me an offer i wish i did not e-mail her now because i would have gone to court and won outright,
great News
Inga replied and directed me to a claire flectcher she settled my claim and said the settlement letter will be posted and if my account is closed a cheque will follow within days, I am elated that this happen but i am a bit aprehensive because even though my account is closed i still owed Abbey money which i am paying of via debt agency so i am worried they are going to pull a fast one and offset amount i have claimed back with what i owe them, as this happened to anyone
WOW! I'm so pleased for you Rudibo, well done!! I'm sure that if your account is closed, she will send you a cheque like she said - as for using some of the money to pay off an existing debt with Abbey - given that she didn't even know about your court date, how likely is it that she is fully aware of your debt to abbey? Hope you get ALL your money very soon and congratulations again!
29.1.07 - S.A.R - (Subject Access Request) letter sent to Abbey
17.2.07 - Preliminary letter sent to Abbey
5.3.07 - LBA sent to Abbey
28.3.07 - N1 filed at Worcester CC!
1.7.07 - AQ filed at Worcester CC
6.9.07 - Court Date!!!
WOW! I'm so pleased for you Rudibo, well done!! I'm sure that if your account is closed, she will send you a cheque like she said - as for using some of the money to pay off an existing debt with Abbey - given that she didn't even know about your court date, how likely is it that she is fully aware of your debt to abbey? Hope you get ALL your money very soon and congratulations again!
thanks James33 i wish i had found this site alot earlier it would have saved me so much effort and time thanks yet again for the hook up
Thanks tonif
i will enjoy my victory Banks have been getting away with this for years i don't know how some of the bank staff can live with themselves..
abbey woes
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Re: abbey woes
Originally Posted by JAMES33
