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.
Opinions and advice of kazzaw are independent, offered informally, without prejudice, without liability, and not endorsed by the Bank Action Group. If in any doubt, seek the advice of a qualified, insured professional.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
Don't know about "soon"?!!! ltsb seem to drag their heels.
I think I was spoilt dealing with First Direct - they pay up gracefully!
FIRST DIRECT: £4751.86 SETTLED IN FULL 5/07/06
TESCO VISA CARD: £90 SETTLED IN FULL 12/08/06
LLOYDS TSB: £4403.59 SETTLED IN FULL 17/08/06
EGG: £451.52 SETTLED IN FULL 18/01/07
Opinions and advice of kazzaw are independent, offered informally, without prejudice, without liability, and not endorsed by the Bank Action Group. If in any doubt, seek the advice of a qualified, insured professional.
DPA SAR reminder sent today as 40 day deadline is about to expire.
FIRST DIRECT: £4751.86 SETTLED IN FULL 5/07/06
TESCO VISA CARD: £90 SETTLED IN FULL 12/08/06
LLOYDS TSB: £4403.59 SETTLED IN FULL 17/08/06
EGG: £451.52 SETTLED IN FULL 18/01/07
Opinions and advice of kazzaw are independent, offered informally, without prejudice, without liability, and not endorsed by the Bank Action Group. If in any doubt, seek the advice of a qualified, insured professional.
Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
Still no sign of my statements etc 70 days after DPA letter sent!!!
I have emailed Keith Boden & rung 3 times. Also sent SAR reminder. Have held off Court proceedings to enforce DPA SAR so far.
Despite having a good success record so far I'm still nervous. I didn't mind claiming back charges on my FD & ltsb Current accounts as I have no overdrafts, had set up a parachute account & didn't really have anything to lose.
This time I'm a little scared of what might happen.
I think the reason they cannot find the details is because the account was closed in December 2004 when it was passed to a DCA.
When we were really struggling a few years ago (made even worse by charges every month!!) I defaulted on my LTSB Asset Card. It was eventually passed to a debt collector & we took out a consolidation loan to get ourselves straight. We agreed on a settlement figure on the Asset card & some of it was written off.
I'm now worried that they may try to collect the balance that was written off if I rock the boat. Could this happen?
FIRST DIRECT: £4751.86 SETTLED IN FULL 5/07/06
TESCO VISA CARD: £90 SETTLED IN FULL 12/08/06
LLOYDS TSB: £4403.59 SETTLED IN FULL 17/08/06
EGG: £451.52 SETTLED IN FULL 18/01/07
Opinions and advice of kazzaw are independent, offered informally, without prejudice, without liability, and not endorsed by the Bank Action Group. If in any doubt, seek the advice of a qualified, insured professional.
I'd still like to know whether I'm in danger of them trying to claim the balance that was written off.
FIRST DIRECT: £4751.86 SETTLED IN FULL 5/07/06
TESCO VISA CARD: £90 SETTLED IN FULL 12/08/06
LLOYDS TSB: £4403.59 SETTLED IN FULL 17/08/06
EGG: £451.52 SETTLED IN FULL 18/01/07
Opinions and advice of kazzaw are independent, offered informally, without prejudice, without liability, and not endorsed by the Bank Action Group. If in any doubt, seek the advice of a qualified, insured professional.
No - If they accepted a figure as settlement of the account then they cannot suddenly now change their minds....
..
.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
Finally had a call returned by ltsb today. There is a note on my file that the info must be sent out by the end of the week.
FIRST DIRECT: £4751.86 SETTLED IN FULL 5/07/06
TESCO VISA CARD: £90 SETTLED IN FULL 12/08/06
LLOYDS TSB: £4403.59 SETTLED IN FULL 17/08/06
EGG: £451.52 SETTLED IN FULL 18/01/07
Opinions and advice of kazzaw are independent, offered informally, without prejudice, without liability, and not endorsed by the Bank Action Group. If in any doubt, seek the advice of a qualified, insured professional.
Opinions and advice of kazzaw are independent, offered informally, without prejudice, without liability, and not endorsed by the Bank Action Group. If in any doubt, seek the advice of a qualified, insured professional.
Opinions and advice of kazzaw are independent, offered informally, without prejudice, without liability, and not endorsed by the Bank Action Group. If in any doubt, seek the advice of a qualified, insured professional.
Opinions and advice of kazzaw are independent, offered informally, without prejudice, without liability, and not endorsed by the Bank Action Group. If in any doubt, seek the advice of a qualified, insured professional.
I'm now waiting for S C & M to follow tradition & send me a request for a copy of my AQ with a copy of their client's AQ.
If they tick the box asking for another month I'll probably start negotiating by phone.
FIRST DIRECT: £4751.86 SETTLED IN FULL 5/07/06
TESCO VISA CARD: £90 SETTLED IN FULL 12/08/06
LLOYDS TSB: £4403.59 SETTLED IN FULL 17/08/06
EGG: £451.52 SETTLED IN FULL 18/01/07
Opinions and advice of kazzaw are independent, offered informally, without prejudice, without liability, and not endorsed by the Bank Action Group. If in any doubt, seek the advice of a qualified, insured professional.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
Sent copy of my AQ to SC & M following their request just before Christmas.
No surprises on their AQ!!
Have today received the following letter from Newark county court:
General Form of Judgment or Order
To the Claimant
kazzaw
Before District Judge ................. sitting at Lincoln County Court.
EX PARTE
IT IS ORDERED THAT
The Court of its own motion is considering striking the Defence out as an abuse of process on the basis that it has settled all previous claims of this nature. If the Defendant objects to this course of action it is to file at Court within 14 days, a Schedule setting out a list of all claims it has pursued to trial and all claims it has settled.
Dated 28 December 2006
I assume they won't be sending the Schedule within 14 days so will the Judge then order them to pay up?
Is this happening a lot across the country or have I stumbled upon a good Judge?
FIRST DIRECT: £4751.86 SETTLED IN FULL 5/07/06
TESCO VISA CARD: £90 SETTLED IN FULL 12/08/06
LLOYDS TSB: £4403.59 SETTLED IN FULL 17/08/06
EGG: £451.52 SETTLED IN FULL 18/01/07
Opinions and advice of kazzaw are independent, offered informally, without prejudice, without liability, and not endorsed by the Bank Action Group. If in any doubt, seek the advice of a qualified, insured professional.
Has anyone else had an order like this from a Judge?
FIRST DIRECT: £4751.86 SETTLED IN FULL 5/07/06
TESCO VISA CARD: £90 SETTLED IN FULL 12/08/06
LLOYDS TSB: £4403.59 SETTLED IN FULL 17/08/06
EGG: £451.52 SETTLED IN FULL 18/01/07
Opinions and advice of kazzaw are independent, offered informally, without prejudice, without liability, and not endorsed by the Bank Action Group. If in any doubt, seek the advice of a qualified, insured professional.
That is brilliant - i have no idea how you do this, but perhaps you should bring this Order to the attention of a Mod and see what they have to say. It does seem as if your county court are getting fed up with the banks
I rang the Court today & the Clerk said it was the 1st time he had seen an order like this & was interested to see what happens!!
The 14 day deadline will be up on 18th January.
I've sent a PM to one of the mods.
FIRST DIRECT: £4751.86 SETTLED IN FULL 5/07/06
TESCO VISA CARD: £90 SETTLED IN FULL 12/08/06
LLOYDS TSB: £4403.59 SETTLED IN FULL 17/08/06
EGG: £451.52 SETTLED IN FULL 18/01/07
Opinions and advice of kazzaw are independent, offered informally, without prejudice, without liability, and not endorsed by the Bank Action Group. If in any doubt, seek the advice of a qualified, insured professional.
KAZZAW v Lloyds Asset Card - EVERYONE READ post 15 & post 219 !!!!!!
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Re: KAZZAW v LLOYDS TSB ASSET CARD
