Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
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  1. 17th September 2006 21:33 #1
    labasblue labasblue is offline
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    Exclamation Are The Banks Taking A Different Path?????

    Hi
    I have sent out my F.A.R letter to Lloydsicon tsb and Capital Oneicon, Cap One have come back to me with an offer to pay of my balance minus charges and interest if I pay up in 28 days, I opted for this option as I was claiming £340 charges and they have deucted £425 off my balance if I settle in the time allowed.

    I have not heard back from Lloyds Tsb 14 days up on the 22nd but have had another charges statement with a note at the bottom that my overdrafticon will be reviewed next month(a little early,should be 3 or 4 months away.) I was wondering if they to will do a deal as my charges will just about scrub my overdraft.

    Has anyone else recieved anything similar??? or are the bank starting to be akward??

    will update as soon as I recieve the letter responding to my F.A.R!

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  2. 17th September 2006 21:45 #2
    adamski adamski is offline
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    Default Re: Are The Banks Taking A Different Path?????

    Im over my overdrafticon limit of £1500 it has been constantly over that since i started my case with Lloydsicon and they done nothing, am at the moment awaiting lloyds defence, which i think will come Monday.
    They can withdraw the overdraft when they want this is legal im afraid.

    Lloyds TSB (SARS) request sent 9th June 2006
    £2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267
    MBNA SETTLED IN FULL 15/09/2006 £829
    Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
    GE MONEY SETTLLED IN FULL £400
    Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
    Welcome Finance PPI 2 accounts one settled £1018 waiting on other
    GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
    Lloyds TSB PPI CC complaint sent 10/04/2008
    Black Horse PPI with FOS 20/05/2008
    HFC PPI complaint sent 22/05/2008

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  3. 17th September 2006 21:57 #3
    labasblue labasblue is offline
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    Default Re: Are The Banks Taking A Different Path?????

    Hi adamski

    There is no mention of the overdrat being withdrawn just a review date.
    will post when i recieve my response letter to see if i get the usual standard reply or not.

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  4. 17th September 2006 22:00 #4
    labasblue labasblue is offline
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    Default Re: Are The Banks Taking A Different Path?????

    Just a quick thought after adamskis reply

    if the bank do withdraw the overdrafticon

    do I have to cough up immediatlet(impossible)

    or do they charge me an extortionat amount of interest until i do??

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  5. 17th September 2006 23:36 #5
    adamski adamski is offline
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    Default Re: Are The Banks Taking A Different Path?????

    Ring them and ask them why they are reviewing it early, you dont have to mention your claim.

    Lloyds TSB (SARS) request sent 9th June 2006
    £2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267
    MBNA SETTLED IN FULL 15/09/2006 £829
    Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
    GE MONEY SETTLLED IN FULL £400
    Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
    Welcome Finance PPI 2 accounts one settled £1018 waiting on other
    GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
    Lloyds TSB PPI CC complaint sent 10/04/2008
    Black Horse PPI with FOS 20/05/2008
    HFC PPI complaint sent 22/05/2008

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