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.
Right well a nice polite email to cahoot resulted in 3years worth of statements within 5 days. Very impressed. Calculated charges - now not so impressed - £2905!!! So sent the PRE LIM yesterday - the waiting game begins. As i am a little bit neurotic can somebody please reassure me that they cant close down my loan i have with them should,sorry when, I win my money back. I believe it is a seperate agreement so they cant touch it but a very sceptical boyf is putting the jitters in me . . . .
FD £691.50 SETTLED IN FULL £691.50 FD CREDIT CARD £75, SETTLED IN FULL £75 MBNA CREDIT CARD £1784 SETTLED IN FULL BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200
PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x
crikey! Just received the standard customer service email from them - i only posted the pre lim yesterday at 3pm! Shows they can respond when they want to! Usual stuff they are looking into it etc etc will get back to me in a couple of days. So the wait continues . . . .
FD £691.50 SETTLED IN FULL £691.50 FD CREDIT CARD £75, SETTLED IN FULL £75 MBNA CREDIT CARD £1784 SETTLED IN FULL BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200
PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x
well a week later and still no word from them roll on the 10th when i can issue my lba, oh and add a couple more charges they have hit me with in the last couple of days . . . . . . .
FD £691.50 SETTLED IN FULL £691.50 FD CREDIT CARD £75, SETTLED IN FULL £75 MBNA CREDIT CARD £1784 SETTLED IN FULL BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200
PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x
You have done well so far......if you need any help feel free to ask.
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
good luck... I've won judgement by default.. last week.. but still no word from them.. and definately no money... I will be sending baliffs in on Monday..
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 have done well so far......if you need any help feel free to ask.
Thanks! I certainly will! Am growing in confidence as each day passes!
FD £691.50 SETTLED IN FULL £691.50 FD CREDIT CARD £75, SETTLED IN FULL £75 MBNA CREDIT CARD £1784 SETTLED IN FULL BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200
PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x
good luck... I've won judgement by default.. last week.. but still no word from them.. and definately no money... I will be sending baliffs in on Monday..
Hi Chimera I have been reading your thread with interest. What do you think will happen once you send the baliffs in? Will they just turn up at your house with some computers, the TV from the staff canteen, office chairs etc?
FD £691.50 SETTLED IN FULL £691.50 FD CREDIT CARD £75, SETTLED IN FULL £75 MBNA CREDIT CARD £1784 SETTLED IN FULL BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200
PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x
Hi Chimera I have been reading your thread with interest. What do you think will happen once you send the baliffs in? Will they just turn up at your house with some computers, the TV from the staff canteen, office chairs etc?
ahahahahahahahaa... that would be too funny.. I'm getting really worried though.. because I didn't use the address they requested - but I used their address just not the PO BOX one... which you can't use to send the baliffs in anyway... They can't exactly say they haven't got the money to pay it can they???? That's just silly.... I'd gladly ahve their PCs and office furtinture though... set up my own bank... lol
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.
Warrant would just need to be amended to their head office !!
If you get their pcs then everyone here can have all their statements for free lol
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
Right well just received standard 'we dont accept our charges are unfair bla bla bla' from Lee Loftus, So am Sending lba tomorrow with a few more charges that I have gained in the mean time!
So LBA for £2985 typed and ready to go . . . . . . . . . ..
FD £691.50 SETTLED IN FULL £691.50 FD CREDIT CARD £75, SETTLED IN FULL £75 MBNA CREDIT CARD £1784 SETTLED IN FULL BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200
PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x
Right well just received standard 'we dont accept our charges are unfair bla bla bla' from Lee Loftus, So am Sending lba tomorrow with a few more charges that I have gained in the mean time!
So LBA for £2985 typed and ready to go . . . . . . . . . ..
Well done keep at them
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
Thanks! The more predictable they are the more confident I feel!
FD £691.50 SETTLED IN FULL £691.50 FD CREDIT CARD £75, SETTLED IN FULL £75 MBNA CREDIT CARD £1784 SETTLED IN FULL BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200
PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x
lba Sent Today . . . . .14 Days To Pay Back £2985 . .
FD £691.50 SETTLED IN FULL £691.50 FD CREDIT CARD £75, SETTLED IN FULL £75 MBNA CREDIT CARD £1784 SETTLED IN FULL BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200
PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x
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.
Right Sent lba yesterday . . .recived this email today . . am a little bummed coz was expecting them to offer half or something . . .but a straight flat p**s off! So am still going to give 14 days due to when payday falls, but am a little uneasy bout the speed which it took for a flat 'no!' to come from them. Are they growing more confident . . . .?
Dear Mrs Pickles,
Thank you for your recent e-mail.
I can confirm that this is cahoots final response on the matter. I understand
that you now wish to pursue this via the courts. Please send your claim form to
me at the following address:
Private & Confidential
Lee Loftus
Service Relationship Manager
cahoot
Friars House
Coventry
CV1 2ZA
Yours sincerely
Lee Loftus
cahoot Service Relationship Manager
FD £691.50 SETTLED IN FULL £691.50 FD CREDIT CARD £75, SETTLED IN FULL £75 MBNA CREDIT CARD £1784 SETTLED IN FULL BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200
PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x
Huh! and I just noticed theyve called me Mrs . . . how hard is it to get your customers title right?
FD £691.50 SETTLED IN FULL £691.50 FD CREDIT CARD £75, SETTLED IN FULL £75 MBNA CREDIT CARD £1784 SETTLED IN FULL BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200
PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x
similar e-mail to mine.. but not exactly the same... I'm getting more and more worried about not have=ing sent it to the exact address (sure it all goes to same place though), and not specifying a name... I just specified 'Service Relationship Team'
I'm sure that this is fine, but the longer I get no reply.. the more I worry... hmmmm...
I notice you are asked to address yours to the 'Manager' of customer servcies... scary... sure you will get a better response than me though.. and make sure you send it to the exact people and address they specify - so you don't end up in same mess as me!!!
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 Dears . . It is starting to get a little scarey though . .but whats the worst that can happen . . .?(!)
FD £691.50 SETTLED IN FULL £691.50 FD CREDIT CARD £75, SETTLED IN FULL £75 MBNA CREDIT CARD £1784 SETTLED IN FULL BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200
PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x
Keep positive... not one bank has won yet... how can they win???
MY fear is that they will shut down my account before the dosh is paid up - as I can see this being delayed for a while... I think you will prob get your dosh within a week of starting claim. I presume they are just getting used to the claims, and have a set format now - ie they are told to say no, till the last minute. This is because some people will take half the money and run etc... I want them to give me my money back so that I can close the account... then take em for the rest of the charges they have put on my account since claim
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.
Right . . deadline passed i got paid so off to fill in MCOL . . with some extra charges I have been charged in the meantime . . . .
FD £691.50 SETTLED IN FULL £691.50 FD CREDIT CARD £75, SETTLED IN FULL £75 MBNA CREDIT CARD £1784 SETTLED IN FULL BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200
PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x
Taking On Cahoot
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Originally Posted by MARTIN3030
