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.
Just received a letter is this usual? Guess what, it is
First things first, I work for the other side....a bank(sorry if I swore there!) We receive your letters and send a response and sometimes we don't even send that. I have read numerous things that quote letters saying "Is this usual?" Many scream "YES I have the exact same one word for word."
Let's see how many of these phrases are "usual."
Please feel free to add to the list of phrases as the list is not exhaustive.
"We believe our charges are fair and transparent" (you still keep losing!)
"The report by the OFT did not consult the banks" ( you still lowered CC charges down though!)
"While we differ in your view, having reviewed your account we are willing to offer an exceptional gesture of goodwill off of £x".(Are you taking the p***)
that's a starter so add more to the list with your own comments in brackets. Make sure someone hasn't already posted it already posted it.
Re: Just received a letter is this usual? Guess what, it is
However on a purely commercial basis, it will cost YOUR BANK money to defend your claim in terms of legal costs that will be incurred. It is unlikely that YOUR BANK will be able to recover these costs (even if the bank wins) because your claim will probably be allocated to the small claims track.
"The Truth, the whole Truth and nothing but the Truth"
Re: Just received a letter is this usual? Guess what, it is
This is our final offer.................
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Re: Just received a letter is this usual? Guess what, it is
The OFT guidelines only refere to credit cards.............
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Re: Just received a letter is this usual? Guess what, it is
For your information we enclose some leaflets which detail our complaints procedure.......
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
Re: Just received a letter is this usual? Guess what, it is
I apologise for the time taken to reply
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
Re: Just received a letter is this usual? Guess what, it is
Originally Posted by Tinkerbelle
We do not agree with the OFT
They dont agree with ANYONE .....who says their charges are unlawful
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
Re: Just received a letter is this usual? Guess what, it is
you will not be getting a refund
s.a.r handed to manager-2-8-06
aknowledgement letter recieved 4-8-06
letter from dpm 10-8-06 Data Protection Act - Non-Compliance 10 days left 29-8-06 statements recieved 31/8/06 prelim letter 1/9/06 letter recieved from cru 9/9/06 lba-sent 15-9-06 small claims started 17-9-06 agreed to settle with condition removed that i cant make another claim waiting for funds
Re: Just received a letter is this usual? Guess what, it is
hi just wanted to reassure you that ive sent of the template for a signed credit aggreement .
we received a lovely letter from them today with my po of a £1.
I refer to your letter dated 15 june 06
as i am sure you will appreciate,Wescot acted in good faith based in this matter on the data provided by our client who forwarded details to us for collection .As we only administer the account on behalf we do not hold detailed information with regarding this account acount,however our client has contacted Wescot and informed us that a copy of the opening agreement is not available at this time .
The account has been closed on Wescot 's system and a copy of your complaint letter forwarded to our client the orrid Lloyds .accordingly ,i return your payment for the supply of acc docs YOU SHOULD RECIEVE NO FURTHER CORRESPONDENCE IN RESPECT OF THIS ACCOUNT FROM Wescot
i hope this clarifies the matter to and concludes Wescot's involvement your satisfaction
Re: Just received a letter is this usual? Guess what, it is
I note that you are dissatisfied
I mustinform you however, that we disagree with your legal analysis
the £12 fee recommended by the OFT
Barclaycard Student credit card £400 partial refund received, S.A.R - Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983
Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement Capital one MCOL Settled in full Smile lba settled in full advice is given informally and without liability and without prejudice.
Just received a letter is this usual? Guess what, it is
off of £x".(Are you taking the p***)
Reply With Quote
so when i am skint i can right to the bank and say excuse me "can i have a 
).
Originally Posted by Tinkerbelle
