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 submitted claim to F D for £2127.46 and now received standard letter stating that they do not agree with my contention of the charges and that if I wish to escalate my concerns to the next stage I can write to Robert Kernaghan. Please could someone advise what I should do next? Thanks.
oh .. it was actually Mr Kernaghan who replied to my prelim... unfortunately though I'd made a mistake by not adding overdraft fees to claim - so he kindly (probably beacuse he knew my claim was half of what it should be) offered to refund the amount in my prelim letter - I had to politely decline and give him new total.. letter went out today. I would send next letter to Mr Kernaghan and see what he says... what stage are you at? when did you send your prelim?
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.
Thanks - I send prelim letter 14 July 2006 and got response letter 18 July 2006. Not familiar with this site and just wondering if there is a template lba letter and how I can obtain it please.
lba action templeate can be found in the bank templates section
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.
Just been and edited the LPA letter and worried that I haven't prepared a schedule of charges and how I would go about doing this. I merely calculated and totalled up the overpayment charges and fees ann overdraft interest separately - do I need to list every charge, date etc as this may take hours?
You're in the right place! Read the FAQs and template letters, then read up in the forum for your bank to see how your fellow claimants have got on. Post in there with your story once you are ready and get the benefit of their experience! See my sig below for useful links to help you on your way.
If you attempt to get your charges back without understanding the process and the arguments behind it all they will take advantage of your weaknesses. Please spend the time to understand it all, as they have a fairly major budget for their legal department. This is a self-help forum and you do need to put the effort in for best effect.
Jeep (The Wife & I)
Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06
Halifax joint a/c new charges £1100 - LBA sent 02/08/06
Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)
Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far
Halifax Visa (#2) Data Protection Act sent - refunded £170 DONATE - Support this site, it supported you! Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet All advice given in good faith and without prejudice or liability, to be taken at your own risk!
Would love some help please
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Re: Would love some help please
Re: Would love some help please
