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.
Ive been watching people recover monies for a few months now, but im one of those people who doesnt like to get involved incase i came unstuck...thats changed now im gonna go for it...
A few months ago i managed to obtain 4 yrs worth of statements with a value of charges around £1100 mark, that is the amount im in debt with my overdraft as it happens. I have just taken the first step by sending the DPA letter lets see what happens...fingers crossed...
Ive been watching people recover monies for a few months now, but im one of those people who doesnt like to get involved incase i came unstuck...thats changed now im gonna go for it...............
A journey of a 1000 miles starts with the first step. Congratulations on joining the race.
Now, make 'em sweat !
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If it is a DPA letter I wouldn't worry too much. I never sent any letters recorded and I won all my claims - though I must stress it would be prudent to send the lba at minimum by recorde delivery...
Having said that you said you already have 4 years worth of statements so you could actually send the prelim letter now for the £1100 and get a head-start.. once you receive the additional info re: the full 6 years then you can re-calculate and add on the additional charges to your LBA letter? up to you..
"BA Group. The World's favourite CA Group"
HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.
BARCLAYS settled in full 2 days prior to submission of defence by Barclays
CAP ONE settled in full on day 14 of LBA (£210)
my partner and i both phoned head office at Barclays and the RBS for copy statements got them whithin a couple of days. i would recomend polite phone call first. the banks never charged us and my account was closed in 1998 with rbs.
hiya - good for you.
I have always assumed I would not be able to pursue my bank (Barclays) so have disposed of old bank statments. I see you were able to get hold of 4 years of statements - how?
hiya - good for you.
I have always assumed I would not be able to pursue my bank (Barclays) so have disposed of old bank statments. I see you were able to get hold of 4 years of statements - how?
Spend a few days reading the FAQs and try to understand the processes involved. There is a wealth of information in the forum libraries.
To get your statements, send a DPA (Data Protection Act) letter, which you will find in the Bank templates library.
Today i recieved 2 years statements from April 04 to present day, I rang customer services and politely enquired where my other 4 years statements were as I requested statements from Jan 2000.
Customer services asked me to wait a couple more days to see if they followed in the post and if they did not I am to ring back and they will re order them for me.....Barclays customer services seemed very helpfull.
I recieved the rest of my statements this morning and they attached a note saying that they are returning my cheque as the service is free.....I now have 6 years of statements I need to figure out what to do next...
take a deep breath,book a morning off work, go to WH smith and get hold of some highlighters (Stabilos are my fav). Go through the statements, and highlight all the incidents of a charge - the date and the amount. Transfer these onto the spreadsheet available in the Bank templates library.
This will give you a total amount of charges incurred along with interest based upon the 8% APR entititled to you should the claim reach county court.
You can then ammend the Prelim letter in the same library to your liking - requesting a refund of charges as you have calculated (not yet including the 8% interest total as this comes later). Send it off. Await your response.
You may wish to include a summary of charges with that letter for the Bank's reference though this is far froma requirement. Wait 14 days. If no response,then commence with the letter before action.
Keep reading the forums, improving your knowledge and confidence, and posting your progress..
"BA Group. The World's favourite CA Group"
HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.
BARCLAYS settled in full 2 days prior to submission of defence by Barclays
CAP ONE settled in full on day 14 of LBA (£210)
Just been browsing through the statements, they have highlighted all the bank charges, but they havnt seemed to included the PAID REFERALS, these are for when a payment has been refused as i aint had enough in my account, do i include these??
HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.
BARCLAYS settled in full 2 days prior to submission of defence by Barclays
CAP ONE settled in full on day 14 of LBA (£210)
Having real problems downloading the spreadsheet, I have excel on my PC but when the file downloads it aint recognised as a program, any ideas??
I got the other one which has been filled in, ive deleted the info and started to input mine, how do i work out the interest and days since offence, is there a short easy formula?
What does UNPAIDS OUT mean 1 @ £30.00, is this just a reworded bank charge??
Absolutely.
Look down the left hand side of your statements and you should see two letter abbreviations..
DD then it will say "direct debit CPW" for example for carphone Warehouse to identify the company
SO then a similar "STANDING ORDER..." and a bank identifier for the company
You are lookingfor anything that say DR CHARGE... followed by "Unpaids out or Unpaid Items or Returned Cheque or Card Misuse" anything like that.
"BA Group. The World's favourite CA Group"
HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.
BARCLAYS settled in full 2 days prior to submission of defence by Barclays
CAP ONE settled in full on day 14 of LBA (£210)
*** Settled in Full ***
as it happens. I have just taken the first step by sending the DPA letter lets see what happens...fingers crossed...
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Originally Posted by waynedear
Re: Taking the first step...
