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.
Just received a response from Barclaycard, I sent letter asking for £1087.22 (19 separate charges + interest) and they've offered me £432.00 stating:
"Barclaycard is aware of all the information you have drawn to our attention. I must inform you, however, that we disagree with your legal analysis
Putting the above to one side, as a goodwill gesture and without any admission of liability, I am prepared to credit your account with the difference between the charges that you have incured and the current £12 fee. This would amount to £400.00, plus 8% interest"
Now in the mouth of Christmas an offer of 400 odd quid is very tempting but should I maybe write to them stating that 19 charges amounting to £840 minus 19 charges of £12 would amount to £612.00 and tell them I'd settle for that plus their 8% interest? Or should I accept their offer and advise them that I'm accepting it without prejudice as partial payment before starting proceedings?
Any advice would be gratefully received!
Also can anyone let me know if it is my maths that are wonky or theirs
You are entitled to have all the unlawful penalty chgs refunded. Forget the £12 they say thay can charge and reclaim the lot if you can hang on for it.
If you have sent them Prelim letter and lba, file now at court using N1 form, SOC and the new BC POC's (from the Stickies at the top of BC forum).
If you have NOT done formal Prelim and LBA, when you send rejection letter, add :-
"Unless you refund the charges which amount to £xxx.xx in full within 14 days, I shall issue proceedings in the county court to recover them without further notice."
Don't bother asking for s.69 interest at this stage - you can only claim that when you file at Court.
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.
Barclaycard Offer
) and they've offered me £432.00 stating:
and without any admission of liability, I am prepared to credit your account with the difference between the charges that you have incured and the current £12 fee. This would amount to £400.00, plus 8% interest"
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