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.
Re: Reclaimed money, easy come/easy go or did you invest?
99% of debt and it feels good!!!!
1% for a treat.
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
Re: Reclaimed money, easy come/easy go or did you invest?
I am thinking ours will either be used to pay for a car for dp (i drive, already have a car, but we cant afford to buy another one at present).
Or if we decide to hold off for a bit with a 2nd car, then it will be used for a holiday, plus some set aside for the car in the future.
It could also be used to pay my bills next april when I qualify as a midwife, becuase there are only a handful of jobs avaliable and hundreds qualifying. Situation = Dire!
Then again im still at the bank statements stage, so dont know how much in charges we have racked up. Im gussing between our 2 bank accounts, plus credit card, that it is approx 1500-2000.
Re: Reclaimed money, easy come/easy go or did you invest?
I am going to be paying off debts mostly - should get rid of about 1/4 of them.. and spend some on myself!! I think I deserve it!!
I have also started to do money saving though and have become a bit of a scrouge, and saving up points and feebies - if I can get my partner to join in we could be completely dbet free in a couple of years!!
Cahoot
JBD issued - 27/07/06, warrant issued 08/08/06 First Direct
Settled in Full Capital One
Prelim Sent Citi Financial
Offer of difference betwen £30 and £12 GE Capital - Evans Card, Data Protection Act Argos Card, DPA Barclay Card, 8th May-DPA, 14th July- 2nd DPA (asking complete history!!) Egg Card & Egg Loan,DPA NatWest Card
LBA Vodfone
3rd letter re: default Studio & Ace
Prelim for Studio e-mailed
Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.
Re: Reclaimed money, easy come/easy go or did you invest?
Mine will go on the house as it's a tip and will help towards the fat profit we'll make if we ever sell. A small part of it will go on one of these HATSAN ARMS COMPANY - ESCORT FIELD HUNTER along with a wheel-barrow load of ammo.
P.
Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.
MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06
Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06
Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.
Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!
Re: Reclaimed money, easy come/easy go or did you invest?
Originally Posted by PhantomReclaimer
Mine will go on the house as it's a tip and will help towards the fat profit we'll make if we ever sell. A small part of it will go on one of these HATSAN ARMS COMPANY - ESCORT FIELD HUNTER along with a wheel-barrow load of ammo.
P.
Well I hope I don't get into arguements with you then!
Re: Reclaimed money, easy come/easy go or did you invest?
Originally Posted by gizmo111
Well I hope I don't get into arguements with you then!
Best wishes and enjoy
So confident was I of getting my money back that I've bought it already, along with the afore mentioned wheel-barrow load of ammo
P.
P.S. Everyone should take up shooting, most fun sport in the word - and provides FREE food as well. Can't go wrong really.
Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.
MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06
Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06
Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.
Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!
Re: Reclaimed money, easy come/easy go or did you invest?
Originally Posted by PhantomReclaimer
So confident was I of getting my money back that I've bought it already, along with the afore mentioned wheel-barrow load of ammo
P.
P.S. Everyone should take up shooting, most fun sport in the word - and provides FREE food as well. Can't go wrong really.
I totally agree and have been shooting for over 20 years.
That aside i need a new motorbike, i ride to from work and meetings all year round. Used to have a car but in part due to my debt got rid of it, now cant abode drivng my wifes car to work, nothing wrong with the car, but the dartford xing is a nightmare every day.
Depenidng on exactly what we get back its the bike, stuff for our baby due feb next year, possibly a holiday (dont think weve had one for three or so years) and then pay money of the mortgage.
Somehting for our daghter no doubt,
The first thing is a night out at the theatre for my wife though. Im going too !!
GLenn
Kick the shAbbey Habit
Where were you? Next time please
Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless
Abbey 2nd claim, two Accs - claim issued 30-03-07 Barclaycard - Settled cheque received
Egg 2 accounts ID sent 29/07 Co-op Claim issued 30-03-07
GE Capital (Store Cards) ICO says theyve been naughty
MBNA - Settled in Full
GE Capital (1st National) Settled
Lombard Bank - SAR sent 16.02.07
MBNA are not your friends, they will settle but you need to make sure its on your terms -read here Glenn Vs MBNA
Reclaimed money, easy come/easy go or did you invest?
could some of you let us know what you are all doing with this money?
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Originally Posted by PhantomReclaimer
