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 put the two together as one thread as they are the same bank and i have sent the two separate prelim letters to the same address anyway.
so now i wait.................
Halifax 13/7/06 sent data protection act letter
26/7/06 recieved statements
1/8/06 posted prelim letter, recieved acknowledgment 5/8/06
14/8/06 sent lba
18/8/06 offered £150 NOT A CHANCE
30/8/06 sent rejection letter to halifax
15/9/06 offered £450 no chance
15/9/06 filed court claim!!!
17/9/06 deemed served
21/9/06 letter settling **WON**
NatWest 1/8/06 rang for statements
2/9/06 got some statements
14/9/06 finally got rest of statements
30/11/06 prelim letter sent
14/12/06 lba sent
tesco 2/8/06 prelim sent ,
9/8/06 acknowledged ,
18/8/06 go away letter recieved
mint prelim sent 2/8/06, acknowledged 9/8/06
cap 1 prelim sent 2/8/06, acknowledged 18/08/006
7/9/06 offered £272 NOPE
10/10/06 filed claim
26/10/06 letter settling **WON**
hi fokes, looked the blog and links cant find address . for subject access requst to be sent to ,,, Bank of Scotland,MBNA city cards captal one can any one help please...hugh52
i just sent them to the addresses at the top of the statments. alternativly, if you look on each of the bank pages on this site it has the contacts as stickys
Halifax 13/7/06 sent data protection act letter
26/7/06 recieved statements
1/8/06 posted prelim letter, recieved acknowledgment 5/8/06
14/8/06 sent lba
18/8/06 offered £150 NOT A CHANCE
30/8/06 sent rejection letter to halifax
15/9/06 offered £450 no chance
15/9/06 filed court claim!!!
17/9/06 deemed served
21/9/06 letter settling **WON**
NatWest 1/8/06 rang for statements
2/9/06 got some statements
14/9/06 finally got rest of statements
30/11/06 prelim letter sent
14/12/06 lba sent
tesco 2/8/06 prelim sent ,
9/8/06 acknowledged ,
18/8/06 go away letter recieved
mint prelim sent 2/8/06, acknowledged 9/8/06
cap 1 prelim sent 2/8/06, acknowledged 18/08/006
7/9/06 offered £272 NOPE
10/10/06 filed claim
26/10/06 letter settling **WON**
well today i got the "sorry not happy, have a leaflet, get back to you sometime" letter. funny thing is, both written and signed by the same woman Amanda Hickman.
guess who is going to get the lba letters in one weeks time?
i'm not very patient at this waiting game tho.
Halifax 13/7/06 sent data protection act letter
26/7/06 recieved statements
1/8/06 posted prelim letter, recieved acknowledgment 5/8/06
14/8/06 sent lba
18/8/06 offered £150 NOT A CHANCE
30/8/06 sent rejection letter to halifax
15/9/06 offered £450 no chance
15/9/06 filed court claim!!!
17/9/06 deemed served
21/9/06 letter settling **WON**
NatWest 1/8/06 rang for statements
2/9/06 got some statements
14/9/06 finally got rest of statements
30/11/06 prelim letter sent
14/12/06 lba sent
tesco 2/8/06 prelim sent ,
9/8/06 acknowledged ,
18/8/06 go away letter recieved
mint prelim sent 2/8/06, acknowledged 9/8/06
cap 1 prelim sent 2/8/06, acknowledged 18/08/006
7/9/06 offered £272 NOPE
10/10/06 filed claim
26/10/06 letter settling **WON**
[quote=meltoadhall] both written and signed by the same woman Amanda Hickman.................. .........
guess who is going to get the lba letters in one weeks time?
quote]
Just sent my LBA to Amanda Hickman!!! Busy lady!!! lol
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.
oops just rechecked the letters that i have on file that i sent to mint and tesco and i have just noticed that they are the lba letters. this means that i didnt ever send the prelim ones.
not sure what i do now. do i let them have the 28 days they would have had if i had got it right or the carry on with the 14 days (tomorrow)and just put in a moneyclaim straight away?
Halifax 13/7/06 sent data protection act letter
26/7/06 recieved statements
1/8/06 posted prelim letter, recieved acknowledgment 5/8/06
14/8/06 sent lba
18/8/06 offered £150 NOT A CHANCE
30/8/06 sent rejection letter to halifax
15/9/06 offered £450 no chance
15/9/06 filed court claim!!!
17/9/06 deemed served
21/9/06 letter settling **WON**
NatWest 1/8/06 rang for statements
2/9/06 got some statements
14/9/06 finally got rest of statements
30/11/06 prelim letter sent
14/12/06 lba sent
tesco 2/8/06 prelim sent ,
9/8/06 acknowledged ,
18/8/06 go away letter recieved
mint prelim sent 2/8/06, acknowledged 9/8/06
cap 1 prelim sent 2/8/06, acknowledged 18/08/006
7/9/06 offered £272 NOPE
10/10/06 filed claim
26/10/06 letter settling **WON**
Halifax 13/7/06 sent data protection act letter
26/7/06 recieved statements
1/8/06 posted prelim letter, recieved acknowledgment 5/8/06
14/8/06 sent lba
18/8/06 offered £150 NOT A CHANCE
30/8/06 sent rejection letter to halifax
15/9/06 offered £450 no chance
15/9/06 filed court claim!!!
17/9/06 deemed served
21/9/06 letter settling **WON**
NatWest 1/8/06 rang for statements
2/9/06 got some statements
14/9/06 finally got rest of statements
30/11/06 prelim letter sent
14/12/06 lba sent
tesco 2/8/06 prelim sent ,
9/8/06 acknowledged ,
18/8/06 go away letter recieved
mint prelim sent 2/8/06, acknowledged 9/8/06
cap 1 prelim sent 2/8/06, acknowledged 18/08/006
7/9/06 offered £272 NOPE
10/10/06 filed claim
26/10/06 letter settling **WON**
well got a letter from tesco totally denying all responsibility for anything so off to court i need to go, bad news is that i have to wait for payday before i can afford it.
is asking for the defaults to be removed going to be a problem? as the letter says that it wont remove it until the account is cleared, which is going to be a while as i can only afford £10 a month.
any advise please............
Halifax 13/7/06 sent data protection act letter
26/7/06 recieved statements
1/8/06 posted prelim letter, recieved acknowledgment 5/8/06
14/8/06 sent lba
18/8/06 offered £150 NOT A CHANCE
30/8/06 sent rejection letter to halifax
15/9/06 offered £450 no chance
15/9/06 filed court claim!!!
17/9/06 deemed served
21/9/06 letter settling **WON**
NatWest 1/8/06 rang for statements
2/9/06 got some statements
14/9/06 finally got rest of statements
30/11/06 prelim letter sent
14/12/06 lba sent
tesco 2/8/06 prelim sent ,
9/8/06 acknowledged ,
18/8/06 go away letter recieved
mint prelim sent 2/8/06, acknowledged 9/8/06
cap 1 prelim sent 2/8/06, acknowledged 18/08/006
7/9/06 offered £272 NOPE
10/10/06 filed claim
26/10/06 letter settling **WON**
is there anyone who can give me advise on the default problem. the letter is very much in jargon, but it seems to say it was my own fault and i was warned if i couldnt meet the contractual obligations i would be defaulted.
Halifax 13/7/06 sent data protection act letter
26/7/06 recieved statements
1/8/06 posted prelim letter, recieved acknowledgment 5/8/06
14/8/06 sent lba
18/8/06 offered £150 NOT A CHANCE
30/8/06 sent rejection letter to halifax
15/9/06 offered £450 no chance
15/9/06 filed court claim!!!
17/9/06 deemed served
21/9/06 letter settling **WON**
NatWest 1/8/06 rang for statements
2/9/06 got some statements
14/9/06 finally got rest of statements
30/11/06 prelim letter sent
14/12/06 lba sent
tesco 2/8/06 prelim sent ,
9/8/06 acknowledged ,
18/8/06 go away letter recieved
mint prelim sent 2/8/06, acknowledged 9/8/06
cap 1 prelim sent 2/8/06, acknowledged 18/08/006
7/9/06 offered £272 NOPE
10/10/06 filed claim
26/10/06 letter settling **WON**
They have to let you know before they put a default, they never do, it goes straight automatically when they don't received the money or they don't put the money on time in your account.
Normal CSA are not able to remove the default, you'll have to send letter to Customer Relations, ans threaten to take them to court and as I read in other post around here, in make bad publicity in the press.
You can also contact in writting the credit agency where you deault is and advising them of disputing that mark. So future lenders are aware of this.
mel v mint and tesco
The Consumer Forums
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