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
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When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, 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.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, 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.
Octron it would bug me knowing that Abbey thought I had cancelled a d/d when I hadn't. I am aware that you will get the money back in time, but if you could get to the bottom of the cancellation sooner, you get some of your money back sooner.
Grovelling apologies are nice too.
You can write to them asking when it was cancelled and by whom. Copy of letter
or transcript of phone call required. It was probably someone with the same name as you who cancelled.
I get your point, but frankly I would do a SAR first, so that you have firm evidence that the money really has gone to them from your salary, and you are not working on suppositions. It is especially important to be in possession of all the relevant facts if you are going to report them. Also can you elaborate on the criminal offence. My understanding that the charges are unlawful under civil rather than criminal law, although I am not an expert. Be very sure that your letter is factually correct or you will not be taken seriously.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, 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.
First off, my knowledge of the way the military deals with this stuff could be written on the back of a postage stamp, and my knowledge of CCJs is fairly limited too (they don't exist in Scotland).
However, my initial thought, based on your last post, would be that if the CCJ says that you have to pay £X, then that is all you have to pay. If they try to come back for more, I would tell them to Foxtrot Oscar. They can hardly go back to the court to complain that you're refusing to pay more than the amount of the CCJ...
Robertxc v. Abbey- £3300 Settled in full Robertxc v. Clydesdale- £750 Settled in full Nationwide v. Robertxc- £2000 overdraft wiped out, Default removed by order of the sheriff Robertxc v. Style Card- Default removed by order of the sheriff Robertxc v. Abbey (1)- Data Protection Act action. £750 compensation Robertxc v. Abbey (2)- Data Protection Act action. £2000 compensation, default removed
The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.
It is possible to take out a county court claim for part of a debt. Often loan companies will do this in a way to test the waters. It also means that they can go into Small Claims track, at a much reduced cost, where the actual loan may be for much more.
Don't forget that we are adopting a similar position where a user has a large claim, and wants to break it down to avoid potential cost implications.
It is vital to get hold of the original documents, and a complete list of transactions from the inception of the loan. Only then can you assess what is happening.
Alan, Derby, UK.
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Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.
DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.
Advice given is purely my opinion, and is not based on any legal training.
Re your letter dated (DATE), I am only going to accept the goodwill gesture of £XXX as part payment only of the £XXX that has been unlawfully charged against my account which I hold at present.
At present calculate that you have taken £XXX.XX plus £XX.XX which you have charged me in overdraft interest (8%APR) for the sum which you have taken. Total £XXX.XX
Unless you can provide accurate Breakdown of these charges levied against my Account, I will not accept any Charges levied against my account, at present or in the future.
I require repayment in full of this money (credited to the existing balance). If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus all my costs and without further notice.
Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department.
Yours faithfully,
Regards
Sophie-Jane
Yes I'm a Trucker Girl - explains why early posts
Thank you
Please Note
Advice & opinions of Sophie-Jane are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts
wow thats a lot better than what i was going to send just remind me never to get on the bad side of you
Hey, Its this site that has given me the Guts to fight back, for once in my life, NO one will walk over little ol me
Originally Posted by octron32
thanks for all the advice lba being sent sd in the morning.
steve
No excuses, Last night would of been better, Ok still would not be sent until today
Regards
Sophie-Jane
Yes I'm a Trucker Girl - explains why early posts
Thank you
Please Note
Advice & opinions of Sophie-Jane are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts
i have here the timeline i am running and having read quite a few threads can someone have a look and make sure its running right i.e. have given a reasonable amount of time in case it goes to court.
You have already told them you will take them to court in your lba and although I can see where you are coming from, I think you may appear to them to be wimping out, so they will not worry. It is over 2 weeks since you sent your LBA and they have not paid up so I would suggest you do as you have already told them you will.
If you must send it I don't see the need for an extra 2 weeks and I would let them do their own research and not provide copies of the acts, and I see no need to resend copies of letters that they already have. Did they ever give you this much time and information when they were charging you? I somehow doubt it and they have had a reasonable time to comply.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, 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.
Clydesdale Finance PLC
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Originally Posted by octron32
