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.
Sent of my request for full statements and asked them to explain the charges, received the info back within 2 weeks.
Have calculated the total, and in 5 years, its only £272, not as much as most people on here, but its better in my pocket than theirs
Will be sending the prelim letter later today requesting a full refund. Hopefully it will soon be with me
Good chance they'll settle. Remember don't accept anything less than FULL settlement of the charges. I would also claim contractual interest, which you can claim from this point forward.
Going from personal experience, you'll probably be offered a partial refund, then maybe an increased partial refund, and if / when you take it to Court - they'll pay out on the lot.
** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **
I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"
The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim
received a letter from the bank today, it says that they are looking into my issue regarding the charges, and that they will respond to me within the next 4 weeks
Will wait and see what happens now, although I dont think 4 weeks is reasonable, maybe wait the recommended 2 weeks then lba them
stick to your timescales, do not be sidetracked by the timescale they want to work to. This is your claim and your timetable, carry on with the format and you'll do fine.
Good Luck
T
I will not be held liable for any advice/comments given... if in any doubt please consult professional advice.
HBOS Acc1 - Small Claim Filed 31/07/06 - WON -21/8/06 - MCOL -06/09/06 - WON 13/09/06
HBOS acc2 -Small Claim Filed 02/08/06 - WON 13/09/06 - Round 2 Prelim Letter sent 14/09.06 - LBA sent 27/09/06 - MCOL 16/10/06
HBOS acc3 Prelim Letter sent 14/09/06 - LBA sent 27/09/06 - MCOL 16/10/06
Finally received a letter from them offering me £68, which is exactly 25%.
The letter is long winded, and basiclly says, we have incurred costs, and need to pass these on, its your responsibility to keep your account in good order, we can close your account etc etc.
Seems like a bog standard letter to me
I am not accepting that amount, so will contact them and confirm my lba still stands, and that they have 2 weeks to refund the costs in full, or we will be going to court
SJW vs Bank Of Scotland
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Originally Posted by sjw
