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 am new to all of this and a bit nervous as well. I am at the stage where I have the statements from the BOS and I'm about to start trawling through them.
Is there anyone else in the Tayside area that could use some support? Perhaps a group of us could get together to support each other?
I am just outside Dundee and would be happy to support anyone in the area!!
Try not to be too nervous stick to the plan on here and u will be fine its all fairly straight forward really.
All the best
Woolfie
If you are happy with the advice i have given please click the scales of justice above and give me a vote!! Thanks.
Advice & opinions given by Woolfie are my own, and are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Barclaycard 1- £520 claimed – settled
Barclaycard 2- £435 claimed - sett;ed
RBOS 1 £190 claimed - settled
RBOS 2 £6500 claimed initial letter sent 26/6/6
EGG £300 claimed – LBA sent 22nd June
Capital 1 £200 claimed – settled
I am in the Perth area, I have followed the prodecure laid out here and it has been great, I am now just over 2 weeks into the 6 week wait period in my small claim, whilst I wait and see IF HBOS are planning to defend my action.
keep the faith and you will get there.
T
xx
I will not be held liable for any advice/comments given... if in any doubt please consult professional advice.
HBOS Acc1 - Small Claim Filed 31/07/06 - WON -21/8/06 - MCOL -06/09/06 - WON 13/09/06
HBOS acc2 -Small Claim Filed 02/08/06 - WON 13/09/06 - Round 2 Prelim Letter sent 14/09.06 - LBA sent 27/09/06 - MCOL 16/10/06
HBOS acc3 Prelim Letter sent 14/09/06 - LBA sent 27/09/06 - MCOL 16/10/06
Hi there, the 14 days for my final settlement was up yesterday and all they sent me was a letter asking what the original complaint was.. stalling for time i'm sure. I'm not sure how to go about claiming in court, I have all the information ready but I don't know where to send it or take it to... any help would be grateful!
was your last correspondance your lba? If so then go to the Scotland sub-forum in General, and Scotia has a sticky post which has links to the court system and form 1 and 1b for you to save and input the info into. You then take a wander down to your local sheriff court and pay your £39. They will then get the summons raised and serve it on the defender. You then have to sit tight for 6 weeks as this is the time allowed up here for the banks to lodge a defence your hearing will be 1 week after the return date.
T
xx
I will not be held liable for any advice/comments given... if in any doubt please consult professional advice.
HBOS Acc1 - Small Claim Filed 31/07/06 - WON -21/8/06 - MCOL -06/09/06 - WON 13/09/06
HBOS acc2 -Small Claim Filed 02/08/06 - WON 13/09/06 - Round 2 Prelim Letter sent 14/09.06 - LBA sent 27/09/06 - MCOL 16/10/06
HBOS acc3 Prelim Letter sent 14/09/06 - LBA sent 27/09/06 - MCOL 16/10/06
It is your choice, you can either do a small claim for max £750 OR you can go for Summary Cause for up to £1500
The only difference I can see (May be wrong on this) is that small claim you are 100% protected from footing the banks legal bill, summary cause IF you lose you are liable for at least some of their costs .....
Of course you would need to lose the case for this to be a concern.... but it is entirely your call.
I totally agree, there appears to be very few of us up here taking the banks on, so it is difficult to see any timeframes ......
T
xx
I will not be held liable for any advice/comments given... if in any doubt please consult professional advice.
HBOS Acc1 - Small Claim Filed 31/07/06 - WON -21/8/06 - MCOL -06/09/06 - WON 13/09/06
HBOS acc2 -Small Claim Filed 02/08/06 - WON 13/09/06 - Round 2 Prelim Letter sent 14/09.06 - LBA sent 27/09/06 - MCOL 16/10/06
HBOS acc3 Prelim Letter sent 14/09/06 - LBA sent 27/09/06 - MCOL 16/10/06
When I went with my papers to my Sheriff Office they advised me to use the wording : BOS, The Mound, Edinburgh, also having a place of business at: enter local branch details :
T
I will not be held liable for any advice/comments given... if in any doubt please consult professional advice.
HBOS Acc1 - Small Claim Filed 31/07/06 - WON -21/8/06 - MCOL -06/09/06 - WON 13/09/06
HBOS acc2 -Small Claim Filed 02/08/06 - WON 13/09/06 - Round 2 Prelim Letter sent 14/09.06 - LBA sent 27/09/06 - MCOL 16/10/06
HBOS acc3 Prelim Letter sent 14/09/06 - LBA sent 27/09/06 - MCOL 16/10/06
I am also just filling in the forms am near dunbar so slightly further away but i also found it quite difficultfinding info for Scottish people. I am currently filling in a summary cause form cos i am looking to get back £965 + interest + costs. The only difference i can find is that if i loose i pay all their costs. Wondered if anyone new what to put into no 7: state details of claim here?
im in arbroath and got a settlement from Capital One but nowhere near the amount owed and all the claims packs are for england how do we go about going to court?
Tayside Area
and I'm about to start trawling through them.
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