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.
Thought I'd start a thread on my latest fight. Barclaycard have actually been pretty quick so far. Sent my SAR off and received statements well within the 40 day mark.
Excitably worked out that they owe me nearly £500 in charges, current outstanding balance on the card is less than £400. I offered them an easy, early settlement of the outstanding balance. I thought they might go for this as they'd realise that they're only going to end up paying the whole amount, plus interest, plus court costs etc...but, of course, back they came with their standard "Bog off" letter. Are they that stupid?! With interest and fees it'll end up over £700!!
lba went off yesterday...bring it on! Received similar letter from Egg as well so they've got one too!
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.
No, not at the moment. That was another one of my bargaining chips...that if they didn't refund me what I was after, I would go the whole hog. They offered £140 out of £470 total. I said I'd settle at £360 and now waiting on that before court. lba went off on Monday so a while to go yet.
With interest they could end up paying over £600, then adding court costs etc...!
Timeline
06/01/07 - SAR Sent
17/02/07 - Statements Received
19/02/07 - Prelim Letter Sent
07/03/07 - Time Up! LBA their asses!
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.
Too late, Slick! I would just like to say....this MUST be the fastest victory EVER!!
Prelim went off on Wednesday, rejection letter came back Friday. lba went off on Monday, letter offering MORE than I was asking for arrived yesterday!!! Whooooooo-hoooooooo!
Yeah, I could've asked for all the interest, total would have been £611, but I was only asking for, first of all £360 for a quick settlement, then £470 in the LBA (full amount), but they offered £510.
Bonus!
admin, please change thread title...I would advise anyone else to strike Barclaycard while they're feeling generous! Letter I used below:
Barclaycard Customer Relationship Unit Barclaycard House Massey Road Stockton on Tees TS17 6EX
[edited]
Timeline
06/01/07 - SAR Sent
17/02/07 - Statements Received
19/02/07 - Prelim Letter Sent
07/03/07 - Time Up! LBA their asses!
Ha ha! Hiya SS Lady! Yeah, I'm still floating about! Dunno if you saw, but I had a court case ongoing since November...settled a couple of weeks ago and got away with paying less than 50% of what they were claiming, which I was more than happy with, now this! Egg are not being quite as quick, then it's onto Ikano Financial...I think that'll be about it, it'll be a shame!
How are you doing? Had any sweet successes?!
Timeline
06/01/07 - SAR Sent
17/02/07 - Statements Received
19/02/07 - Prelim Letter Sent
07/03/07 - Time Up! LBA their asses!
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.
Ha ha! Thanks guys! I just couldn't believe it! Was fully expecting it to be a "see you in court" letter when I came in from work. No idea why they decided to be so nice, even offering me MORE than I asked for! Brilliant!
Timeline
06/01/07 - SAR Sent
17/02/07 - Statements Received
19/02/07 - Prelim Letter Sent
07/03/07 - Time Up! LBA their asses!
There really isn't anything! I'm scraping the barrell going after Ikano! It only occurred to me when I was checking my Ikea statement for the month and saw a £12 charge...I thought "Hmmm...wonder how many more there are...!" I doubt it'll even be £100.
Timeline
06/01/07 - SAR Sent
17/02/07 - Statements Received
19/02/07 - Prelim Letter Sent
07/03/07 - Time Up! LBA their asses!
MR2Phil -vs- Barclaycard **FASTEST WIN EVER!!**
off and received statements well within the 40 day mark.
Reply With Quote
)
