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.
Take some time to have a look how the process works.
Any questions/problems then feel free to ask !
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Received a letter today form Barclays returning my £10, stating the usual blurb about not being able to give me details of manual intervention, but would supply me with statements free of charge on this occasion. Just have to see if the statements materialise within the 40 days..
Yes this is a standard reply from Mr.Townsends office,and you are likely to get the statements.........but dont count on a quick date.......they will most likely land on day 40 or just before
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If its any use we got the same standard response and our statements turned up 3 days letter! Not exactly what we were expecting as they are copies from the system printed in a random order with strange names against the charges. But thats in my own thred!!
I still haven't heard anything , so I thought I'd remind them that my request was still for a SAR letter, not a request for copy statements and they still only have 40 days to reply. I sent this letter:
Dear Mr Townsend
Thank you for your letter of 21st August 2006 regarding my Data Protection Act S.A.R - (Subject access request) letter.
I would like to remind you that irrespective of the return of my £10 you are still under obligation to send me the data within the maximum time period specified under the Data Protection Act 1998, I will accept copy statements or a computer printout of all data held by you. I would also like copies of all letters and all other correspondence.
My original request for information was made on 15th August 2006 and consequently you have 27 days left to comply.
Just hang on in there, mine came on day 40!
It will be worth it in the end though, I thought I'd only been hit with about £50 but turns out to be £200 over the last 6 years
Emble x
Parachute Deployed !!!
Data Protection sent to Barclays - 04/07/06
Reply from Pete Townsend - 06/07/06
Statements received - 12/08/06 - Claiming £200
Prliminary Letter sent 27/09/06
Reply from Martin Bennett 03/10/06
LBA sent 16/10/06
Partial settlement offered 25/10/06
MCOL Claim 04/11/06
I received my statements yesterday and got busy with the high lighter and found they had taken £1950 worth of charges in the last 6 years!! . Have put together the prelim letter with the schedule of charges omitting the 8% interest column and will wait and see if they send me a reply!
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Got a letter on the 26th Sept saying that they are sorry to hear that I'm unhappy, blah de blah etc and that they would try their very best to respond within four weeks to my complaint, they actually have until the 6th October and then I will send off the lba.
This is usual.
You may find they will still respond to this follow up even after the lba has long been sent.I got a follow up sorry letter after the court papers had been issued and acknowledged.
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
Well I sent the lba on the 6th October and haven't heard a peep from them since the last letter telling me how sorry they were etc, etc. I'll give them until the 22nd Oct (14 days plus 2 for delivery) before I attempt to start the MCOL.
I've just started to reread the FAQ about filling it the claim forms. Will just have to see if I get any response before the 22nd...
I'm about a week or so behind you Katy so I'll be following with interest, sending my lba today.
Good Luck x
Parachute Deployed !!!
Data Protection sent to Barclays - 04/07/06
Reply from Pete Townsend - 06/07/06
Statements received - 12/08/06 - Claiming £200
Prliminary Letter sent 27/09/06
Reply from Martin Bennett 03/10/06
LBA sent 16/10/06
Partial settlement offered 25/10/06
MCOL Claim 04/11/06
Received a letter today telling me how sorry they are to hear that 'I' think the bank charges are unfair and that they are well aware of the info that I drew to their attention. Anyhow, they've offered me £900 as the gesture of goodwill, blah de blah, the letter is signed from Laurence White.
I shall send them a lovely letter thanking them for their goodwill gesture and point out they only have a few days left to pay in full before I start a court claim against them. .
only ones Barclays are being generous to is the courts.......by freeing up more space in the system that their stalling has already clogged up.
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I've just filled in my MCOL by following the template in the library and pm a moderator (i think) with the case details and number. I've also had a look throught the court bundle
Do I just sit tight now until my claim is acknowledged?
Thanks
SARS sent 16/08/06
Data Protection Act receieved 19/09/06
Prelim letter sent 20/09/06
'Sorry to hear about your complaint letter' received 26/09/06
LBA sent 6/10/06
Offer of £900 received 17/10/06
Accepting as partial offer letter sent 18/10/06
MCOL filed 23/10/06
Hi. You just don't need to look at a court bundle, but by reading the threads, you should know that Barclays are going to take it to the wire, so you need to download Bookworms' bundle and print it all out. You will need to adapt that bundle to your own requirements by adding copies of correspondence between you and the bank, and also copying the statements/printouts the bank sent you. You do not need to copy statements which do not have any charges on them.
So the answer to your comment about sitting tight is No.
You still need to find and read the longer threads in the site to find out about what else is likely to turn up at the particular stage that you're at.
The bank have until 19 days after you filed to acknowledge. When they do, they will have a total of 33 days after you filed in order to defend.
Hi thanks Welshman for the reply.
I realise I need to prepare my own court bundle, what I actually meant does the court contact me to acknowledge the claim and tell Barclays about the claim or am I meant to keep checking the website and inform barclays, i.e. the bit about sending them another copy of the schedule of charges?
Thanks
SARS sent 16/08/06
Data Protection Act receieved 19/09/06
Prelim letter sent 20/09/06
'Sorry to hear about your complaint letter' received 26/09/06
LBA sent 6/10/06
Offer of £900 received 17/10/06
Accepting as partial offer letter sent 18/10/06
MCOL filed 23/10/06
OK. Sorry havn't been back to you sooner, but I'm on my laptop and away from home until next Tuesday.
You have filed via MCOL on 23/10/2006 so they will be deemed to have been served on the 28th (Even if they were informed earlier). But, that's the law. They will have 14 days from then - 11th November to acknowledge. Keep checking the MCOL website for an update. Once they do acknowledge, you'll also have notification from MCOL in the post. They WILL acknowledge and, by doing so, it gives them another 14 days to submit a defence which will take it to the 25th of November.
Just a reminder though to send both MCOL and Barclays Litigation and Defence Team at Level 29, No.1 Churchill Place address a copy of your schedule of charges (now including the 8% interest). On the top of the Bank copy, add the reference number that appears on the top of their letters to you. On top of the copy for MCOL, add the number of the Court Claim Number that they will have provided for you. In each case, add a covering letter asking that they add it to their file on you. Also mention in the covering letter that you have sent the other party a copy of the schedule.
Newbie vs barclays * WON *
and am preparing myself for a long wait...
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Re: Katylillibut vs barclays
, so I thought I'd remind them that my request was still for a 
. Have put together the prelim letter with the schedule of charges omitting the 8% 
Re: Newbie vs barclays
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