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.
Assuming ou only wanted to go back four years, then yes, write them another letter (and use the one from the templates section as it is a tried and tested method) and send it to them. Send it recorded delivery and wait 14 days. Then send the second letter from the templates section.
You need to do this because it will show a judge that you have given them ample time to deal with your claim.
After that (28 days in total from 1st letter), if you don't have any luck, then apply to moneyonline for a court order 9or whatever its called).
You will get your money. Just read around these forums - you know it to be true.
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Barclays - £268 - Moneyclaim
Capital One - £172 - Moneyclaim
Abbey (2nd claim) - Moneyclaim
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HSBC - £2164.46- PAID IN FULL
MBNA - £471 - PAID IN FULL
NatWest - £307 - PAID IN FULL
Abbey Business - £314.15 - PAID IN FULL
legal representatives of Cahoot asking for information
Hi all,
I hope someone can help me. I have completed the following steps:
1) written to Cahoot three times about unfair chances.
2) requested my bank statements
3) completed the spreadsheet of charges incurred
4) submitted my claim for £1,170 + £330.11 in unfair charges + interest over the past five years.
Now this morning I have received a letter from Cahoot's legal representatives which states they are preparing a defence and that I have provided no details as to how the total sum has been calculated and that they have requested that I provide them details of my calculation.
Is this a scare tactic? Am I obliged to provide this evidence at this stage to Cahoot's legal team or wait until the case goes to court?
Re: legal representatives of Cahoot asking for information
Have you actually put in your court claim, as it seems odd for the legal people to work on a defence if not. It is not an unreasonable request, and in fact the schedule of charges is being sent with preliminary letters now, so I would send it if I were you. Their defence is unlikely to end up in court anyway, so I shouldn't let it rattle you.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Hi - I'm at the same stage as you I think with my first claim with the Abbey - do cahoot use DLA Piper as their solicitors? They said to me they didn't know how i'd arrived at the sum of 610 plus the interest and I've replied this
"I am writing in response to your letter dated 12 July 2006, your reference xxxx and Northampton county court Claim No 6QZ44173 in respect of the Abbey and xxxx.
I am surprised that your client, the Abbey, has not supplied you with a calculation of how the sum of £610 was calculated as they are in possession of the information. However, as a gesture of goodwill, please find attached a full Breakdown of the charges. 8% interest has been charged from the day it was charged as detailed in the document.
I will also send a copy of this correspondence and a further copy of the charges to you in the post."
Abbey - Claim 1 full hearing 22 Feb 07 - Settled in full £710
Abbey (Claim 2) full hearing 22 Feb 07- Settled in full £4000
Abbey (Claim 3) Court date 27 June -
Capital One (claim 1) £467 Settled in full 20 Sep
Capital One (claim 2) £72refunded 19 Aug
Associates (Citicards)
claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS
Re: legal representatives of Cahoot asking for information
Originally Posted by caro
Have you actually put in your court claim, as it seems odd for the legal people to work on a defence if not. It is not an unreasonable request, and in fact the schedule of charges is being sent with preliminary letters now, so I would send it if I were you. Their defence is unlikely to end up in court anyway, so I shouldn't let it rattle you.
Yes I have stated the particulars of my claim via the moneyclaim website. From searching the posts on this forum I will have to send a copy of my spreadsheet to both DLA and the Court.
Have just received my Notice of Transfer of Proceedings and the allocation questionaire from the court regarding my case.
I have until the 20th August 2006 to complete the questionaire.
Would appreciate any advice on the following issues I have.
1) Is it quite common to pay an additional court fee (having already paid c.120GBP on MoneyClaim)?
2) Secondly should I wait for DLA solicitors to offer me a settlement? To date none has been forthcoming.
3) On the allocation questionnaire The first section asks do I wish to postpone any further action so that you and the other party can settle the claim? Should I do this? What are the pros and cons?
Thanks to all in the past for helping me and I hope someone can shed light on these outstanding issues that I have.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
What if DPA letter doesn't work
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Originally Posted by caro
