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.
A & L made me an offer but it’s not the full amount in fact is not even half.
They are trying to use the OFT's indication that £12 in relation to credit card charges is not an unreasonable offer - I disagree.
On closer examination it seems that the BBC's 'The true cost of bouncing a cheque' item that the consumer action group have highlighted states that "based on the system the banking employee used, they worked out that the administration of bouncing a cheque was definitely no more than £2,"
I remember a while back that there was another more high ended study by someone else that came up with similar figures or perhaps a bit more around the £4 mark?
Does anyone have any information on that study?
Also, I need some help in writing the letter back to the Alliance & leister to decline their offer but giving them the opportunity to pay me £5000 instead. (They owe me £5799.50 excluding interest)
This figure would degate the need for me to raise a small claims action against them which only goes up to £5000. My understanding is that raising an action against the bank for more than £5000 is best left to the professional lawyers? Although I have no indication of what the interest charges are that I have paid them or how to work them out or even request that the bank themselves make them available to me?
Ive looked through the forum and templates section for help but I can’t find any templates that relate to declining a banks offer if it’s not the full amount anywhere - can anyone point me in the right direction please?
It depends at what stage you are at and who makes you the offer as to which letter you use .
It is not recommended to change these letters - but this is a self-help site and I made a purely personal choice to add a nudge section to the rejection- purely to show the court I am making every effort to resolve the claim without wasting their valuable time . You can see my letter on my thread.
However I suggest you read around a bit more before deciding what to do - there are also some nudge letters in this next thread New---after 28 Days - Maybe No aq!!!!!!!
Jan
Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus
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offer from A&L 24/8/07 - after case stayed
"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery
Alliance & Leicester made me an offer
)
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