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.
Well, I now have the lba letter ready to post. I received an interim offer of £1342 (odd number!), approximately half of the original claim. The claim has now risen to juxt under £3k. I'm happy to say that I'm posting this letter in the Halifax's own SAE (1st class) that they expected me to use to accept their offer in which I refute any future or further claim (as well as offering them my 1st born child and use of all my organs - whether I'm alive or dead). I am a generous chap and will give the bank 14 days from Friday (when they should receive the letter) until action will be taken.
Power to all fellow claimants - I feel bilious every time the banks' profits are in the news. Bankers - perfect rhyming slang!
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.
Well I received reply from Halifax. They "confirm" that they will not refund all the charges incurred and that future charges will stand and that they do reserve the right to close my account. If unhappy, they refer me to the Financial Ombudsman... In that case, I intend to commence legal action on Friday. Any suggestions etc. I would be most grateful. Neil
You have two options : filing through mcol (money claim online) or through your local county court, depends on which is more suitable to your needs. There are templates for both ways in the library, make sure you have everything , meaning figures dates etc correct before submitting as to make an amendment after you have lodged your claim will cost you a fee which is non refundable.
Do plenty of reading, get all your info together and go for it.
Any q's please ask!
Best of luck
Neil v Halifax
this week. I'll keep you updated and I may be requesting assitance.
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