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.
Surprising win here, was a bit disappointed I didn't get to take them to court...
Prelim sent asking for £200 in charges and £75.01 in interest charged in relation to the charges (send in June 07)
Letter received 1 week later saying "blah blah blah we are correct to charge etc but going to give you difference between £20 and £12 = £80
lba sent in September (holidays and work put a hold on things) asking for the remaining £195.01
Letter arrived today saying "having checked our records, I can confirm that you have been charged fees totalling £275.01 since August 2001. In August 2007 we refunded £80 of these charges.
Summary of our internal investigation:
in the circumstances, as a gesture of goodwill, I have credited your barclaycard account with a further £195.01 representing the remaining charges. However, we believe that our charges are fair and reasonable and as such we are not preparted to refund any interest charges incurred." then it contains info of what to do if i am not satisfied with the outcome and their compalints policy etc
There is still a small ballance left on the card after the refund, but its nice to think it will be paid off within 2 months at the most
I am thinking they made a mistake and thought I was claiming CCI (which I wasn't) or maybe its a new policy to save them court costs and 8% interest (which would have paid off the balance in full!!!!)
(If this is a new format of letter im happy to share the letter contents with any mod of the site etc but not with joe public!)
Statement arrived today, seams they made the payment the same day they sent the letter for me, dunno if thats useful info for anyone else claiming or not
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.
me V barclay card (and won :-) )
charged in relation to the charges (send in June 07)
, I have credited your barclaycard account with a further £195.01 representing the remaining charges. However, we believe that our charges are fair and reasonable and as such we are not preparted to refund any interest charges incurred." then it contains info of what to do if i am not satisfied with the outcome and their compalints policy etc
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