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 have just posted my DPA letter. I reckon there will be £2000 at the most of charges. I'm a bit nervous of what's going to happen, but I'm getting a lot of inspiration from this site which helps.
Spend your time reading around. Because of the McNamara recording which we have in the Library, Lloyds should be one of the easiest banks to knock down if they decided to go to court.
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.
Still not had anything back from Lloyds Tsb, so emailed them and they say they have not received the letter. So I have emailed them a copy of the original letter. Oh well, I'll just have to wait some more!
Hi barty
did you sen dit recorded delivery, I do everything by post once its in the letter box, its sent..
many years ago at college, i learnt that once you place it in the letterbox its in your favour as legaly sent and recorded is better as you know! they have got it.
Not sure if this has changed now,would like to know if it has.
I too have sent a dpa to Lloyds tsb but have yet got no reply. Anyone got the email address for them? Wish i had done recorded delivery as i have lost £10 pounds now. The letter was posted 2 wks ago.
Still not had anything back from Lloyds Tsb, so emailed them and they say they have not received the letter. So I have emailed them a copy of the original letter. Oh well, I'll just have to wait some more!
Did you send £10?
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 too have sent a dpa to Lloyds tsb but have yet got no reply. Anyone got the email address for them? Wish i had done recorded delivery as i have lost £10 pounds now. The letter was posted 2 wks ago.
Why have you lost it? Did you send it cash?
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.
Sent Dpa to Lloyds Tsb BX1 1LT which i now have learnt is a call centre, i got it off the online banking page it said any complaints should be sent here. I have tried to see if any1 could tell me if they recieved my letter but noone has a clue. I have now sent it recoreded delivery to my local bank, (another £10) this was yesterday, the manageress rang me today asking why i wanted the D.P.A and "had i something against any member of staff". I said i just want it for curioisty and thats all. After reading all posts now i realise i should have sent DPA somewere else to start with. But i am assured it is now being sent to the correct department. I love this forum as it could probably sling me a single dad who is strungling a life line. I reckon my charges over 6 years will be in excess of 6k.
Thanks people in advance for all help as you wouldn`t believe just how much you are helping.
Finally received my statements and lists of charges today, I haven't had chance to have a good look yet, but I will do tonight when kids are in bed. I'm looking forward to getting on to the next stage.
Right I have sent the Preliminary letter today by recorded delivery, I'm claiming £1427. I expect to receive the standard reply as most others have. 14 days and counting!!!
Hi
Well I received the letter today (very quick reply!), standard letter like all the rest. Now do I still have to give them the 14 days or can I send the letter before action straight away? I have read quite a few differing opinions on this.
Thanks in advance.
You have nothing to lose by waiting and if you get to court (very unlikely) and can show you give them the alloted 14 to 'change their minds' then this will count in your favour.
I would prepare your lba dated 9 May and have it sitting waiting to send. It is only just over a week away. Spend the time hugging yourself and feeling good that you should be receiving some of your hard earned cash back very soon!
lba sent today by recorded delivery, I notice there is quite a few of us sending one out around this time, it'll be interesting to see who gets a reply first.
I dont know how much i can say but if it is anything to do with what i have just gone through i found that they seem to acknowledge your claim on the moneyclaim website then the following day you get a letter from them offering a refund.
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