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.
Yes, I did. You were lucky, it took loads of emails before I got that one, mainly they bleated on about paying for statements and all sorts.
First Direct - £2791.84 received in full and final settlement.
Cahoot - Agreed to settle for full amount of £2024
Abbey National - AQ questionnaire returned and 50% offered
Lloyds Bank - AQ questionnaire returned
yep.. i got my staements sent to me no problems... I also sent all the letters via e-mail (saves on stamps)... Funnily I sent three seperate e-mails for each account at first. and recieved 3 very different replies... lol.. so when I got fob off letter I sent them all three letters in one e-mail plus Breakdown of charges. Just to give them a hand.. sent lba via e-mail too...
That's the e-mail for the people to send all correspondence to.. I also sent them a secure message from the website telling them I had indeed sent them e-mails... just so they couldn't fob me off, by telling me it wasn't secure, and I'd have to write!!
Good LUck!
Cahoot
JBD issued - 27/07/06, warrant issued 08/08/06 First Direct
Settled in Full Capital One
Prelim Sent Citi Financial
Offer of difference betwen £30 and £12 GE Capital - Evans Card, Data Protection Act Argos Card, DPA Barclay Card, 8th May-DPA, 14th July- 2nd DPA (asking complete history!!) Egg Card & Egg Loan,DPA NatWest Card
LBA Vodfone
3rd letter re: default Studio & Ace
Prelim for Studio e-mailed
Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.
Cheers for the info about the email address, that'll come in handy,
Out of interest, did you just write them a plain text email or did you attach a word file?
Story so far...
BOS - Student account - preliminary request letter sent
Cahoot - Current account - list of charges totalling £420 recieved
Cahoot - Credit card - list of charges totalling £200
Mint - Request for list of charges made by telephone and letter.
Plain text. I did not want to give them any excuses for not reading it. I can just imagine.
"I'm sorry Abby, we cannot open word files therefore we cannot honour your request."
First Direct - £2791.84 received in full and final settlement.
Cahoot - Agreed to settle for full amount of £2024
Abbey National - AQ questionnaire returned and 50% offered
Lloyds Bank - AQ questionnaire returned
yep... I sent attachments and they said they couldn't open them..
Cahoot
JBD issued - 27/07/06, warrant issued 08/08/06 First Direct
Settled in Full Capital One
Prelim Sent Citi Financial
Offer of difference betwen £30 and £12 GE Capital - Evans Card, Data Protection Act Argos Card, DPA Barclay Card, 8th May-DPA, 14th July- 2nd DPA (asking complete history!!) Egg Card & Egg Loan,DPA NatWest Card
LBA Vodfone
3rd letter re: default Studio & Ace
Prelim for Studio e-mailed
Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.
you know, I would have thought that a bank that did most of their work through the lovely internet would have been able to use a wordprocessor.
How many £30 charges equals a copy of WORD?
Barstewards, the lot of them
Story so far...
BOS - Student account - preliminary request letter sent
Cahoot - Current account - list of charges totalling £420 recieved
Cahoot - Credit card - list of charges totalling £200
Mint - Request for list of charges made by telephone and letter.
First Direct - £2791.84 received in full and final settlement.
Cahoot - Agreed to settle for full amount of £2024
Abbey National - AQ questionnaire returned and 50% offered
Lloyds Bank - AQ questionnaire returned
I have recieved my list of charges for my current account and credit card.
The total amount is:
Current account - 14 times £30 (unauthorised o/d charge) = £420
Credit card 8 times £25 (charge for late payment) = £200
Now I need to decide if I make a claim for both of these at the same time, or separately. If they were both bank account charges (or if they were both credit card charges) I would be happy to request a refund for both using either this (for bank accounts) or this (for credit cards).
Can I request refunds using the first of those two letters and putting the creditcard number in in place of an account number?
Story so far...
BOS - Student account - preliminary request letter sent
Cahoot - Current account - list of charges totalling £420 recieved
Cahoot - Credit card - list of charges totalling £200
Mint - Request for list of charges made by telephone and letter.
I did.. just used atndard bank account letter.. I sent two seperate letters in the smae e-mail.. Don't think it perticulary matters, so long as you give them the amounts... and schedule of charges...
Cahoot
JBD issued - 27/07/06, warrant issued 08/08/06 First Direct
Settled in Full Capital One
Prelim Sent Citi Financial
Offer of difference betwen £30 and £12 GE Capital - Evans Card, Data Protection Act Argos Card, DPA Barclay Card, 8th May-DPA, 14th July- 2nd DPA (asking complete history!!) Egg Card & Egg Loan,DPA NatWest Card
LBA Vodfone
3rd letter re: default Studio & Ace
Prelim for Studio e-mailed
Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.
I dunno where Cahoot are going with this not acknowledging claim thing... very strange...
Cahoot
JBD issued - 27/07/06, warrant issued 08/08/06 First Direct
Settled in Full Capital One
Prelim Sent Citi Financial
Offer of difference betwen £30 and £12 GE Capital - Evans Card, Data Protection Act Argos Card, DPA Barclay Card, 8th May-DPA, 14th July- 2nd DPA (asking complete history!!) Egg Card & Egg Loan,DPA NatWest Card
LBA Vodfone
3rd letter re: default Studio & Ace
Prelim for Studio e-mailed
Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.
Fizdup Vs Cahoot
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