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.
As with my claim against the Halifax for charges during the period i was unemployed may as well start one for both Barclaycard and Monument and claim for the max period.
Barclaycard: SAR letter sent today (couldn't find all of my statements, period of 14months missing)
- HALIFAX SETTLED IN FULL 08/06 - £2334
- HALIFAX II SETTLED IN FULL 08/07 - £1785
- INTELLIGEN FINANCE SETTLED IN FULL 07/07 - £380
- EGG SETTLED IN FULL 08/07 - £348
- BARCLAYCARD SETTLED 01/09 - £708
- MONUMENT SETTLED IN FULL 02/09 - £790
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.
Prelim letter sent as well as telephone harassment letter - currently getting 3 calls a day plus the odd sms too
Also sent CCA letter as after reading other threads I know I applied for the card on a 0% interest balance transfer offer and can't remember what I signed.
- HALIFAX SETTLED IN FULL 08/06 - £2334
- HALIFAX II SETTLED IN FULL 08/07 - £1785
- INTELLIGEN FINANCE SETTLED IN FULL 07/07 - £380
- EGG SETTLED IN FULL 08/07 - £348
- BARCLAYCARD SETTLED 01/09 - £708
- MONUMENT SETTLED IN FULL 02/09 - £790
Letter from Barclaycard offering £200 as a 'good will gesture' to be shown credited to my account in my next statement.
Was wondering which rejection letter to use as I've yet to send the lba?
- HALIFAX SETTLED IN FULL 08/06 - £2334
- HALIFAX II SETTLED IN FULL 08/07 - £1785
- INTELLIGEN FINANCE SETTLED IN FULL 07/07 - £380
- EGG SETTLED IN FULL 08/07 - £348
- BARCLAYCARD SETTLED 01/09 - £708
- MONUMENT SETTLED IN FULL 02/09 - £790
"I refer to your letter of xxth January and hereby reject your goodwill gesture offer of £200. If you have credited this amount to my a/c, I authorise you to remove it."
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.
- HALIFAX SETTLED IN FULL 08/06 - £2334
- HALIFAX II SETTLED IN FULL 08/07 - £1785
- INTELLIGEN FINANCE SETTLED IN FULL 07/07 - £380
- EGG SETTLED IN FULL 08/07 - £348
- BARCLAYCARD SETTLED 01/09 - £708
- MONUMENT SETTLED IN FULL 02/09 - £790
Letter from Barclaycard this morning offering a further goodwill gesture of £508.48 and the usual blah blah blah about their charges being fair and just.
In total thats £708.48 in goodwill gestures, my original claim was for £736 I'll accept that as a win.
Do I need to write tot hem to confirm my acceptance of their offer, there's nothing in the letter say so??
- HALIFAX SETTLED IN FULL 08/06 - £2334
- HALIFAX II SETTLED IN FULL 08/07 - £1785
- INTELLIGEN FINANCE SETTLED IN FULL 07/07 - £380
- EGG SETTLED IN FULL 08/07 - £348
- BARCLAYCARD SETTLED 01/09 - £708
- MONUMENT SETTLED IN FULL 02/09 - £790
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.