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.
I'm posting this on behalf of a friend. I have been helping him prepare all his contact/paperwork so far with Natwest. I've asked his permission to post here, and he's agreed.
The situation so far...................... ...
Sent request for last six years statements under the DPA. After 40 days (nearer 50), he had received no reply.
Sent a letter giving seven days more for the statements, or he will contact the information commissioner. Statements arrived four days later (after a call from the bank to say they were on the way).
Sent the first request for reclaiming the charges, including the schedule of charges. The amount claimed is £2610. Got a reply that stated the bank disagrees, but offered £264 as a gesture of goodwill.
Sent off the lba refusing to settle in full for this amount. Received a letter two days before the deadline offering £1300.
..................
We are now preparing to go to court. I'm here doing the legwork and getting all the relevent info together. The claim will be for the charges, plus interest, plus court costs.
Has anyone that has already taken Natwest to court got a checklist of all the paperwork I need to get together?
Are there any statements/comments I need to include to back the case up?
In the last letter, it mentioned that if my friend goes to court. The papers should be served to the registered office address at 135 Bishopsgate, London. Is this correct? All the letters so far have been addressed to his local branch.
I appreciate any help we can get before we go to court. I'm trying to get everything together within the next couple of days. I read the thread of the Natwest case that went to court (and lost), so I'd like to cover all angles before we proceed to this next step.
Please read the FAQ's this answers all your questions about court, also in the Bank templates library there are details on what to put on the claim form etc.. As for the address that is correct.
Preparing For Court
. I've asked his permission to post here, and he's agreed.
.
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