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.
Got an offer today from Natwest, no confidentiality clauses, no shut up or else, just a very nice, very sorry, blah blah blah, but it is me who is wrong letter.
Anyway my claim is for £ 1,334.00p plus £ 185.21p interest plus £ 120 court fee Total £ 1,639.21p...
The offer is for £ 1,334.00p as Full and final on this claim...
As i am/was a new PC user, and have made a couple of mistakes on my claim, i think i am going to accept the offer as i dont want the DJ rejecting my claim because of it..
Will post lit details later.
Just wanted to share my news with you.
Details......
Allready had statements.....
28/04/07 Prelim request £ 1,334.00p.....
15/05/07 Letter investigating details.....
15/05/07 L.B.A......
16/05/07 lba signed for.....
05/06/07 Submitted claim in person..... Charges £ 1,334.00p
8% Interest £ 185.21p
Court fee £ 120.00p
Total £ 1,639.21p
05/06/07 Claim issued.....
07/06/07 Deemed to be served.....
20/06/07 Acknowledgement of service.....
21/06/07 Cobbetts LLP Intend to defend all of claim.....(dated 19/06/07)
25/06/07 Natwest letter, very sorry but it is me who is wrong, but offer
of £ 1334.00p as full and final.....
26/06/07 Accepted offer. Thank you very much.....
Cohen's: WON (discontinued) DLC: Given up, gone away. Eversheds: Trying! Equidebt: In default Intrum J: Return to OC iQor: Stopped paying. Link: In default. ScotCall: Return to OC Thames: Stopped paying.
I am NOT a legal or financial expert. There are many CAG members and staff who are better qualified. Please do not make major decisions based on my advice alone.
Yes i know i should, but right now i feel this is right for me. Dont let my decision influence anybody elses though. I feel there is a pattern to all of this, and im damned sure the banks know that they can save tens of £k if they pursue this line of offer...
I have 2x Barclays = £3k, at defence filed stage, and just about to start 2x Barclaycard = £2k, so this will be £1,214.00p more in the bank this time next week than i have now.
Well done tonycee! If you're happy to accept their offer, then you've made the decision that's right for you. So, CONGRATULATIONS and enjoy the cash! Best wishes, hedgey xx
Its not about the cash, but thank you anyway, its because i am pc useless and made mistakes in my claim that i feel could go against me at a later stage. I even claimed for 2 x £35 "credits" on my account that i thought were charges...
Promise you wont tell Natwest if i dont
Well done Tonycee,
Im pants whenit comes to using this thing too but I bet your feelin ontop of the world now youve got this under your belt. See doesnt matter if were not genius's on here so long as we all pull together and help whe we can WE CAN ALL DO IT, Give yourself a big pat on te back an just think, youll know exactly wha to do next one LOL
Cohen's: WON (discontinued) DLC: Given up, gone away. Eversheds: Trying! Equidebt: In default Intrum J: Return to OC iQor: Stopped paying. Link: In default. ScotCall: Return to OC Thames: Stopped paying.
I am NOT a legal or financial expert. There are many CAG members and staff who are better qualified. Please do not make major decisions based on my advice alone.
I think i have been very lucky....Please, Please, Please do your homework, and that applies to anybody who might read this thread, make sure you get it right first time because i dont think you are allowed strike 2.....
A massive "thank you" to everybody who has helped me along the way.......Words are not enough, so my donation will be on its way ASAP...
Received a credit to my account today for £ 1,334.00...
Have made my donation to CAG, and am now about to desert to the Barclays forum. ( Who said hooray ) ..
Just want to wish you all the very best with your claim, and thank you all again for the help and support...
The words "I couldnt have done it without you", have never been more true...
Congratulations, nice one mate. Did you reply to the cobbetts letter? I have recieved mine and am a bit confused by the legal jargon, of course they wish to defend and want to request further information, what do i send?
Hi ninja....i didnt need to reply as i got paid the same day i received their defence..Start a new thread and introduce yourself, people will pick your questions up much quicker that way...
Have a read through this, it should take you through to completion.