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 should have done this back in june after i filed my claim
dear old Halifax gave me some more charges
well this time i have all my statements prelim has been
sent and a reply recieved thankyou for your complaint blah
blah now waiting on reply to letter before action all ready
to file for second time watch out dudes im on my way
However ,do make sure that you understand that there is a possibility that the Bank may decide to defend and that you may have to present your case to a Judge in a Small Claims Court. This is very rare, but you should be aware of the possibility.
If you have to issue a court claim, the spreadsheet mentioned earlier will also calculate interest at 8% as allowed by s.69 the County Courts Act (1984) and which you will add to your claim at that point. NOTE: you do not claim the 8% unless you put in a court claim.
(5)
Once again, one of the following will now happen:
A) The bank or credit card company will ignore your request and you will not receive a reply. If this is the case, allow for the 14 day deadline and proceed to the next stage of the claim - COURT ACTION
B) You will receive a fairly standard letter saying "sorry you are not happy, we'll get back to you sometime in the next decade..." Again, if this is the case, allow for the 14 day deadline and proceed to the next stage of the claim.
C) You will be offered a partial refund but it will be offered as a "Full and final" settlement of your claim. Again, we would advise you to accept this - but only on the condition that it is a partial settlement and that you will continue with your claim to recover full funds. This is now the most likely outcome. Again, see here Rejecting Offers if this happens.
D) You will be offered a full settlement of your claim. This is still unlikely at this stage, but it is becoming a little more common lately.