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.
18-04-06 DPA sent to BOS
18-04-06 DPA sent to SMILE (a/c closed 2004)
18-04-06 DPA telephone request IF (a/c closed 2005)
20-05-06 LBA sent to IF for 974.30, 2nd letter sent 14-06-04
Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!
18-04-06 DPA sent to BOS
18-04-06 DPA sent to SMILE (a/c closed 2004)
18-04-06 DPA telephone request IF (a/c closed 2005)
20-05-06 LBA sent to IF for 974.30, 2nd letter sent 14-06-04
to continue my previous post...
I have been distracted from getting my money back for some time.
They offered me a revised amount of 1050 in august 2006.
I wrote to them again in feb this year, this time adding interest at 8%, total nearly 7k.
However, last week i did a spreadsheet showing 15k, if i add contractual interest. Im not too sure if its right, and would like some expert advice, as it is a huge claim.
Im worried about court costs if i lose..... Is someone out there able to hold my hand? If i get 15k back, i would be VERY grateful!!
donnie
18-04-06 DPA sent to BOS
18-04-06 DPA sent to SMILE (a/c closed 2004)
18-04-06 DPA telephone request IF (a/c closed 2005)
20-05-06 LBA sent to IF for 974.30, 2nd letter sent 14-06-04
Donnie, need to ask why you have decided to add 8% to your claim? This is a statutory interest that you are awarded if your claim goes to court. You shouldn't be simply adding it to your claim at this stage.
As a result, I strongly recommend you thinking twice about bumping up your claim again with CI. If you did end up in court - very likely for £15k - I would anticipate the bank applying for your claim to be struck out on the grounds that a) you don't know what you are doing and b) you are unreasonable / greedy / taking the pi55 in constantly increasing your claim.
I presume also that you are in Scotland given the name, so I don't even think you can claim for that amount in Scotland in the normal way? Things have changed a lot since 06, you can't split claims anymore, subsequent claims are being struck out. I don't know enough about Scottish process, so that is for you to discover....
Best advice I could give you, is to wipe those pound signs out of your eyes and be realistic. Stick with the 8% which you shouldn't be claiming now anyway.....to bump it up even further would be extremely risky.
If my post has been useful, tip my scales and let me know
invernessguy -v- bank of scotland
account.
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