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.
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a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
just about to send the prelim letter to monument, they have really peed me off recently with their never ending phonecalls asking when they will get a payment...I've calculated that they owe me £672 on a balance of just under a grand (ie almost two thirds of my "debt" with them is from their charges!! bloody cheek!!) Wish me luck folks!!
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OK update on the Monument claim.....sent prelim & got the standard "sorry you're not happy we'll get back to you in 6 weeks"......then within the 14 days got another letter offering me 50% of my claim.....thought it over & sent a letter saying that I would accept this as a partial refund, but wanted the rest too & would hold fire for 14 more days to allow them to reconsider, and asking them to provide a full Breakdown of costs incurred if they were to persist with their lie that their charges are a fair representation of costs actually borne by them....and have heard nothing from them since!!my account is now back in proper order, but there has been no refund.....so I wrote to them (the second letter wasn't sent recorded- slap on the wrist for that!!), saying that as I had not received either a refund or any correspondence from them, I assume that my previous letter did not reach them, and I am prepared to allow a further 14 days before taking the court action....did I do the right thing & does anyone think I will ever see my money again, or have I just made an absolute **** up???
AS an aside ask for the original agreement I did, they haven't supplied it so they've broken the law. I'm waiting for the statements to organise the claim at the moment its over £700.
If you keep extending deadlines, they will stretch it as far as they can. Be strong, draw a line in the sand.
this is their last chance!! the only reason i sent another letter was that i stupidly didn't send my second one recorded delivery, so if it had gone to court, they could easily have said they didn't get it which i think would have looked bad for me IYSWIM??? trying my best to look like the level headed, fair & reasonable party here!
You should send them an LBA (letter before action) and state in the letter that they have'nt replied to your first letter.The banks have so much mail and cases to sort out now,it is taking time.Send it recorded delivery and then give them another 14 days.You have to show that you are reasonable when writing to the bank.I had the Halifax on the phone today,they called me.They are so far behind my claim is 16 days from my LBA. I still won't hear anything for a few days yet.
One thing i have noticed,you keep getting phone calls from them requesting payment. You still have to pay your bills on time.I would'nt wait for the refund to clear that debt,it could take a few months to sort out.
Sorry if i made an error on the payment side,i just wondered why they keep calling.
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monkeygirl v monument
just about to send the prelim letter to monument, they have really peed me off recently with their never ending phonecalls asking when they will get a payment...I've calculated that they owe me £672 on a balance of just under a grand (ie almost two thirds of my "debt" with them is from their charges!! bloody cheek!!)
Wish me luck folks!!
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trying my best to look like the level headed, fair & reasonable party here!
