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.
Having trouble finding out where to go next.
I am trying to claim back £3169 from Lloyds TSB for my partner. I bank with HSBC, who have paid me £900 with no hassle at all I only sent them the letter of request and they paid within a week. TSB however are not playing ball and have sent a letter refering me to the financial Ombudsman. What do I do now. Is there a letter????? We really need this money as we are expecting our second child and it would come in seriously useful. Hopefully somone can point me in the right direction
Hi. Do not waste your time with the financial Ombudsman.
Read through the FAQs, especially the step-by-step guide which tells you what you need to do.
Good luck.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
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Your last claim was definately the exception - most banks won't pay up without a fight, and this is especially true of Lloyds. In fact, I'd say Lloyds were probably the worst out of the whole lot. They stall, bluff, bulls**t and intimidate at every opportunity and they drag it out as long as they can. BUT, the important thing to remember is, that they ALWAYS fold in the end.
Take no notice of their bile whatsoever.
Stick to YOUR deadlines, follow the step by step instructions to the letter, and read up as much as you can on this site, and you'll get your money back in the end.
Please remember to DONATE! Help CAG keep up the fight!
Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.
No its not to late. If you have sent the prelim, then 14 days later the lba, then file a claim ASAP. Its always best to be punctual and stick rigidly to your deadlines, but a delay of a month or two between the LBA and moneyclaim won't do any harm.
Please remember to DONATE! Help CAG keep up the fight!
Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.
Try not to feel overwhelmed by the situation, Lloyds definately try to play hard and scare you into not carrying on with a claim.
I think you literally have to push them to the courts door before they will give your money back. This as it happens is a fairly lengthy process; I'm currently 2-3 months into my claim now I think.
As everyone has said make sure you read all of the FAQs and try to read other peoples threads.
You can always use this/your own thread to ask questions and get support. If your really not sure, always ask on here before you send anything off regarding your claim.
Anyways, Ill go now, Im making a habit of nattering on a bit .
Financial Ombudsman????????????
TSB for my partner. I bank with HSBC
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Mat 8-) 