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.
Am claiming £760 from Halifax, had all my statements at home, sent lba and had an unexpected phone call from them on 2nd August to say they would settle in full. I was over the moon. They sent an acceptance form, which I duly signed and returned, recorded delivery, on 7th August, fully expecting this would be with them on 8th and money in account anytime now. Am tracking recorded delivery number and damn form hasn't been delivered to them, have now faxed a copy of my acceptance form. In the meantime, however, I've incurred £145 new charges this week from Halifax, had started writing cheques at weekend for essentials, expecting money would be there by now. Has form gone missing in post? Can I make a second claim? Was so ecstatic last week and now fading fast
What was written on the form? As I do not think it matter even if the form stated that this is the Full and final settlement, as you are raising another claim for charges out with the original claim.
So I would advise you to start writing in again.
hondamad
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EGG CC Default Removal: Have reported Egg to Trading Standards, Summery Claim - 2nd Hearing Date 09/10/07. Click here to read posts
Monument CC: received statements, now need to send letters. . . !
BoS Current Account: Settled
Citi Cards: Hhmm seems like I have sued the wrong “entity”. Aaaaahhhhh . . .. oh well back to court I go, and they have settled in full!!!
This is just advice from me. If you are not sure please seek legal advice. However if what I have said has been helpful, than please add to my reputation by clicking on the scales
Thanks so much for your reply. These financial institutions (I'm fighting Citi Cards, Capital One and Littlewoods too) push you so far down that sometimes you wonder if you have the strength to get back up. I hope there's an official ruling against all these charges soon and justice is ours.
Hang in there you doing really well, you have gotten a much better response than I have. So dont get down hearted thats what they want and they think people will give up. When you say your claiming against Littlewoods is it a card or a catalogue account? Just i am going to start on my cards next and just working out which to do.
First Direct Data Protection 5/06/06
SETTLED IN FULL 23/08/06. £4412.30 charges plus 8% interest and court costs .
OH Halifax Data Protection 05/05/06
SETTLED IN FULL 23/08/06 charges plus 8% interest and court costs £738.78
MBNA SSettled in Full before court action.
Yorkshire Bank - Pre lim stage
Royal Bank of Scotlcand pre lim stage
Argos Card Services pre lim stage
Thanks everyone, I won't give up, am just feeling vulnerable as there are more charges being applied daily at £39 a throw and I thought funds would be in account by now. I guess I have to start claim number 2. Why do they make our lives so difficult? But WE WILL OVERCOME.
By the way, it's a Littlewoods credit card that I'm claiming against, as well as Citi Cards and Capital One.
Here's looking forward to popping some champagne in the virtual pub when I have some money and a donation to this site is a must. Everyone and everything on here has given me the strength and impetus to take these guys on, they mustn't get away it, so let's stick together.
I would write to them and ask them where the money is and if its not in my account by a certain date then you will start legal proccedings, keep a copy of the letter also tell them because of their delay in sending you your money you have aquired another 145 in charges and you also want them refunded with your original amount, we never advocate anyone to sign in Full and final settlement
Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.
Losing faith, motivation needed please
, had all my statements at home, sent lba
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don't be like the banks - give a little back 