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 about to make a claim for £3155 -it is a huge amount and i am worried they will want to go all the way to court. have others had success with this kind of amount?have any patterns emerged regarding thresholds over which they become really awkward.
If you are worried, then make sure that you read around all of the forum material. Understand the issues and what you would argue if it went to court.
It should give you some confidence.
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
have sent first letter requesting repayment. i have sent it registered post, so presumably they will get it....?....
in the meantime, they are busy charging me more excessive charges (usual case of cashflow problems). looks like i'll have to start again after this claim!
have received letter today saying ..sorry about level of service...will let you know no later than 19th april - do i stick to my 14 day deadline, and then send second letter or what/ they have included a leaflet on how to complain, but it doesn't seem relevant
Yes, stick to your deadlines.
be rigorous about doing what you say you will do.
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
i sent my first letter, and have only received a leaflet with a letter telling me how to make a complaint. i am about to send out my second letter, on monday, to the customer relations dept at my branch,moorgate. i don't have a personal name here. shall i just send out the second letter and await their reply?
apologising for delay... thank me for my patience....whilst they continue investigations. as soon as second 14 day period is up i will pursue my claim regardless. the letter came from head office customer relations -have others received this?
have i made a horrible mistake?
i am now making a claim to recoup bank charges and think i might have made an erroneous calculation. my charges amount to £3195, and calculated on your spreadsheet, the interest amounts to £629.19.
so I merrily sent the letter to the bank asking for the refund(using the template) i am very very bad at maths , and reading up now, I do not understand the 8% additional interest.
so, correct me, i am claiming a refund of £3195,
now, with moneyclaim. i claim £3195 plus £629? is there more interest?
can i also ask what the particulars of my claim are.... is it simply " claim back money from bank etc
help!
does the interest keep accumulating as time goes by?
Its when you complete the Moneyclaim bit that you add on the 8% interest as calculated on the spreadsheet. So the total bank charges, plus whatever the 8% interest is.
Good luck and keep us posted!
Edit: Sorry I think I misuderstood! Do you mean at what date do you calculate the 8% interest up to? If so, I assume the date you file the moneyclaim. Not sure about whether it would continue to add up whilst waiting for a court date. I'll leave that to someone more experienced!
have filed claim today..... slightly nervous, and for some reason cannot post claim onto litigation section although i want to. if any body can help.
claiming for total of £3824 inc court fees.
wish me luck...!
Mossysue v Barclays **WON**
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second letter sent
2nd letter.14 days and no reply
Re: first letter sent
