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.
Ok, off to work in amazement it'll keep this brief.
After recent posts on sending defaults to banks, I sent the Alliance Leicester a statuary demand and and a threat to issue winding up proceedings for £1511.38. £1000 for default damages and £511.38 (amount I was defaulted for which has been repaid.)
A few days later I followed this up with a court summons borrowing Car's argument V Barclay's. (No CCA1974 cover, data protection etc).
Today I receive a cheque for £1,511.38 and an offer to discharge the demand without liability. Hopefully that mean lift the default.
In their initial response to have the default lifted the bank wrote to me saying it was not covered by the CCA1974 as "no credit agreement has been entered into". The Financial Ombudsman had asked A and L to look into my complaint that the bank had closed my account after reclaiming charges - as the disputed £511.38 was issued as a cheque still in the system 6 weeks after my account was closed,hence the default and all this nonsense.
So a three pronged attack all in the space of four weeks after finding the default after a mortgage application. The fos were quick to respond.Hopefully I can go back to my mortgage application with the default lifted.
Thanks for all the amazing help and encouragement here.
oh my good god benmills V alliance leicester
application. The fos
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