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.
No foul intentions, just still trying to make my way around the forum.
It was only because I have done exactly the same as you and sent the letters in the library for credit cards and banks, which on closer inspection are the letters before action so I have not sent the preliminary approach letter.
Now I'm panicking! Do I need to give them a preliminary approach letter, or do I write a letter of my own giving them another 14 days ( as done correctly, with two letters they would get 28 days) or just go straight ahead with claim.
Dont want to screw this up as am trying to get back following charges:
Capital One £1478 + interestlba sent 28/06
Brantano £125 LBA sent 28/06
Barclaycard £300 LBS sent 28/06 Barclays Bank £1450 LBA sent 28/06
Woolwich £210 LBA sent 28/06
I would post a second letter before action. You only really need to give them 28 days (and that is so it looks to the courts, should you need to go to court, that you have given them fair and ample time to resolve the dispute).
If you have already given them one lot of 14 days, send another LBA, (I'd put 'Final' just before LBA in the title) and then if no joy after that then issue court summons.
Hope that helps
Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.
** Nationwide - £1821.15-PAID IN FULL - Aug 06 ** ** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 ** Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....
Message for MJanet V Lloyds
Do I need to give them a preliminary approach letter, or do I write a letter of my own giving them another 14 days ( as done correctly, with two letters they would get 28 days) or just go straight ahead with claim.
£1478 + interest
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