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 read the forums and congratulate you all on the tremendous help you ALL offer!
This is all new to me, but I am going to go for it... I bank with Lloyds TSB and searching back through my statements online, have calculated £417 in charges since late 2001. The charges I have included are, unpaid direct debit, cheques and standing orders. I have also included the overdraft excess fees but NOT the overdraft interest fee's. I agreed to have an overdraft so I dont think I can claim back the interest, CAN I?
I have looked at the sample letters. I have listed all my charges. I reada forum about the interest at 8%. Would it look like I don't know what I'm doing if I don't ask for this and the overdraft interest? I really could do with just a little pointer to get me going.
Regards
Karl Bradshaw
PS. The address I have on my statements to write too is: Customer Service Centre, Dept. 10-49, Box 3, BX1 1LT
1.When you go overdrawn the bank will charge you interest, perfectly lawfully.
However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.
Vampiress has a spreadsheet, (the advanced one), in the bank templates library, which attempts to calculate this
It's quite complex and unless your claim is large may not amount to that much, so for simplicity's sake, some people don't bother
This is the interest referred to in the preliminary and lba letters.
2. Section 69 8% interest on your claim, but only when you submit a claim at court. Don't add this interest before moneyclaim
Thank you for your quick response. I'll leave out the overdraft fee's as it won't be that much.
Should I also send all my correspondance by recorded / special delivery, or don't I need too?
I will start the process and get it under way. I will keep looking at the forums for sources of help. Should I need to ask the odd question, would you mind if I contacted you? I fully understand if you'd rather I didn't.
I received a standard letter today (16/8/2006) saying....
"We're sorry to hear of your complaint" etc
They also say that someone will investigate, and get back to me within "hopefully" two weeks.
Should i wait for this response before sending off my lba? I know whis is a standard letter, but want to be seen as being 'fair' and not jumping the gun...
Do you believe:
1.They're sorry about your complaint.
2. Someone will investigate.
3. They will reply within 2 weeks, hopefully or otherwise.
4. Their response will be a full refund.
Send the lba 14 days after the date of your prelim.
Ok thanks. I hope you don't mind the advise. When people start these claims we read all the forums, but still aren't 100% sure on somethings. I'll send it after the 14 days has elapsed.
Have just completed the forms on the Money Claim website. Took a while to do, but I wanted to make sure I got it right. There are soooo many threads to research, but it's worth it.
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.
I received through the post this morning a notice of issue. I see Northampton county court is addressed. Is this where all Money Claims are issued from or is this relevant to my case?
Just come back from a few days away to find two letters from the court on my doorstep. Firstly a "notice of issue" telling me the defendant has until 26th September to reply, and secondly a "notice that acknowledgment of service has been filed". The defendants solicitors are Sechiari Clark and Mitchell. They have 28 days from the date of service to file a defence (I make that the 10th October). If Lloyds TSB are following suit, I'd expect them to file a defence on or around the last day, then I'll start the AQ.
I'm off to have a go at designing Christmas Cards!
Back from holidays and nothing on the door mat. Money claim status remains the same too. On a more positive note Mallorca is great and the weather blistering!
kmbrad vs Lloyds TSB ***SETTLED IN FULL***
TSB and searching back through my statements online, have calculated £417 in charges since late 2001. The charges I have included are, unpaid direct debit
Reply With Quote
Re: A complete beginner
