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 been a long-time reader of this forum and this is my first post. First and foremost, I would like to say a huge thank you to everyone at this forum.
I have an account with Lloyds TSB and I started reclaiming my charges back. This was quite a while ago and I reached the point before taking court action. I am a student at University and due to being busy I let my foot of the gas and stopped pursuing this properly. I have recently started to receive a few letters from the Solicitors threatening me. I really can’t afford to make any payments as I have only got my student loan (which has nearly run out) and I need this for living expenses, food, bills etc.
My question is about what I should do now. Should I go through my recent statements and make another calculation of what Lloyds currently owes me and send another letter? Or should I simply pursue court action, even though I sent my letters (such as my lba letter) a long time ago, which had less charges?
Have you just issued an lba to Lloyds or have you issued an N1?
Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.
Hi, I sent just the lba quite a long time ago. They responded with what I expected about how it is not illegal. That was quite a while ago and the charges must have built up quite a bit since then.
I suggest you send an updated claim to Lloyds referring to your previous letter & say that you are aware that claims on bank charges are currently undergoing the appeal process with the OFT but if they don't pay up now you will add to the list of court cases to be settled by Lloyds when the decision is given. Give them a reasonable period to respond & then issue your N1 with this updated sum.
All bank charges claims are being stayed at the moment anyway so it could be some time before you get your money. However it may be something to use as a bargaining tool with the solicitors & delay them from taking action for the time being.
Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.
Help on the next step.
TSB and I started reclaiming my charges back. This was quite a while ago and I reached the point before taking court action. I am a student at University and due to being busy I let my foot of the gas and stopped pursuing this properly. I have recently started to receive a few letters from the Solicitors threatening me. I really can’t afford to make any payments as I have only got my student loan (which has nearly run out) and I need this for living expenses, food, bills etc.
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