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 am now really really worried, today i have recieved a letter from "green & co" solicitors on behalf of triton - Natwest that they want £11,000 within the next seven days or will be taking us to court - legal action, my husband has tried to make a reasonable payment plan with them but they wanted £1800 a month. i am so scared now. hope i have posted this in the correct place if not really sorry.
a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
Posts
25,085
Re: really really worried triton - bank of scotland
just their inhouse solicitors ...It is standard practice, they will try and get as much as possible out of the debtor and will threaten legal action if the person does not agree. However, when they finally get it into their heads that they are not going to get this amount they will ask for an income and expenditure Breakdown (which you do not have to give them), and will then try and agree a lower sum.
The important thing is to tell them what she can afford to pay, and give them them the "take-it-or-leave-it" ultimatum. They know full well that they would not get the amount they have asked for if it went to court.
Have a look through the DCA template letters - and don't let them harass either. Correspond on your terms - and if they keep pestering, you can demand they stop.
dx
GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Re: really really worried triton - bank of scotland
I thought it would have been over the phone as they will tell you any old guff that they wouldn't dare put in writing. From now on you must insist that all communication is in writing only. It is your legal right to do so.
These people have no legal powers at all so don't be scared of them. If they were to take you to court (this is unlikely) and get judgement against you then you could apply for a time order based on your ability to pay. The court would look at your income and expenditure and make installments based on your ability to pay. The amount of these installments would be set solely by the court.
I would also add that courts take a dim view of creditors who take people to court who are already attempting to pay their debts in line with their ability to pay. When making any offer of payment remember that this is a non priority debt and should be treated as such. What that means is make sure that allow for all your other bills first before seeing how much money you have left over. If you need a statement of affairs calculator to help you with this just let us know.
What type of account is this and when was it taken out?
Are there charges on the account e.g. late payments fees, etc? If so do you have any idea how much these might be?
Have you received a default notice on this account?
really really worried triton - bank of scotland
today i have recieved a letter from "green & co" solicitors on behalf of triton - Natwest
that they want £11,000
within the next seven days or will be taking us to court - legal action, my husband has tried to make a reasonable payment plan with them but they wanted £1800 a month. i am so scared now. hope i have posted this in the correct place if not really sorry.
Reply With Quote
