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 sent my prelim letter, received a partial settlement of £91, where my claim is for £247.
I then sent a rejection of settlement offer letter dated June 15th. Have just opened my statement yesterday (28/08/07) and it appears they have already credited the £91.
It is now 13 calendar days since I sent this rejection letter so what do i do now? send an lba or go straight to filing a court claim?
Ok, so i sent my lba to Barclaycard, after they had refunded me £91 out of a total of £247 which is owed to me and they have basically said they refuse to refund any more.
The response letter seems fairly generic and doesn't say much else other than the fact that I agreed to the terms and conditions and that the fees were charged to cover their costs.
SO... my next step is to file a claim. I have read on some of the sticky's that it isn't advised to complete this form online and instead to fill out a paper form and post this.
Can someone please advise me where to start with this, obtain the form etc. I'm a bit nervous about this part of the process as I didn't think it would really get to this point but still feel in principle that I should follow through.
Would really appreciate any pointers??
LLoyds TSB: £954.09 Sent LBA, refused to refund.
Lloyds TSB Credit Card: £392 - THEY REFUSE TO CANCEL THE CHARGES!!
Mis-sold PPI. Current figure is £814 including 8% interest.
Ok, thats great, thanks!
Another qq though, do i HAVE to claim for the overdraft Interest and
Interest under s.69 County Courts Act 1984?
I'm not too fussed about this amount and would be more than happy to just receive the initial amount back. But in order to have a strong claim do I need to claim for this aswell?
LLoyds TSB: £954.09 Sent LBA, refused to refund.
Lloyds TSB Credit Card: £392 - THEY REFUSE TO CANCEL THE CHARGES!!
Mis-sold PPI. Current figure is £814 including 8% interest.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
butwhy vs Barclaycard **WON**
or go straight to filing a court claim?
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