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've realised that having recieved my statement of charges and totting up the total rather than sending a preliminary approach letter I just sent off the lba. The 14 days I gave them has now passed (I've recieved a confimration letter "we'll get back to you within 28 days blah blah").
I was thinking of just cracking on with the claim and sending them something like ths:
Dear Sir/Madam,
ACCOUNT NUMBER: XXXXXXXXXXXXXXXXX
Further to my letter of 23rd June 2006 requesting repayment of fees on my account which have recently been deemed unlawful by the Office of Fair Trading, I have yet to receive a meaningful response within the stipulated fourteen days.
As a result of this I have issued a claim through the small claims court for £598.83, as I stated was my intention in the event that my request for repayment was not met.
Please find a Breakdown of this claim on the attached spreadsheet. You will note this is for the £360 in charges requested in my initial letter plus £158.83 in interest calculated at 8% in accordance with section 69 of the County Courts Act 1984 and additional to this my court fee of £80.
I am disappointed that you were unable to respond to my claim and I regret having to take this course of action.
Yours faithfully,
Godders
Have I shot myself in the foot by skipping the preliminary approach letter? Should I send them something else before sending the above letter and filing the claim?
Not really although you really should give them another 14 days in all fairness, or they could turn round and say you havent given them sufficient notice and time! send the letter you have written as if this is your lba and allow 14 days before claiming at court ok? good luck
I QUESTION THEREFORE I AM!!
Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!
Not really although you really should give them another 14 days in all fairness, or they could turn round and say you havent given them sufficient notice and time! send the letter you have written as if this is your lba and allow 14 days before claiming at court ok? good luck
Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!
Missed out prelim approach
. The 14 days I gave them has now passed (I've recieved a confimration letter "we'll get back to you within 28 days blah blah").
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Re: Missed out prelim approach
Originally Posted by cillitbanger
