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 had a successful claim against Lloyds for just over £4k. I have also started a 2nd claim v lloyds and also a claim on behalf of my wife v lloyds.
I am also due in court in 3 weeks v Abbey but as this and the Lloyds cases look likely to be stayed I thought now is as good as time as any to start my credit card claim.
I have sent my SAR off this morning. I have had a look through some of the Halifax threads.
Lloyds were pretty differcult to deal with and from what I have read it seems Halifax can be too.
Some like me have found Halifax a complete roll over - but lately it seems they are digging their heels in - just keep to your timescales, ignore fob off letters and you will be fine
Oh and welcome to the Halifax house
I might add that it is my current account that was a roll over - my credit card is still ongoing.
Well I sent my prelim off on Jan 16th and they sent me a standard sorry to hear about your complaint. I thought to myself yesterday I will do my lba this weekend. I got home today and there was a letter from them offering a settlement on the fees that they have taken above £12. this worked out at £417. I have deceided to accept this offer as my credit card balance is £404. So it will be nice to wipe off my balance and get rid of a debt.
I know some people will say I should go for the lot but I am happy to get rid of my card after just having to send 1 letter.
the test case really took the wind out of my sails. I had won my case against Lloyds and had a court date v Abbey for nearly £4k then on the day of my case I had a letter saying case stayed ARGHHHHHHH.
So this seems like a nice little win without having to go to court and fill in aq's and file court bundles.