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 will update this as I go, I have just asked for my last 6 years statements and can tell Im going to need a lot of highlighters!
I have had a few overdraft charges etc that have been around the £60 mark so this could be interesting.
Dates:
06/03/2006 - Statements ordered
10/03/2006 - Statements arrived: All on A4 sheets and only charge £5 for the lot
06/04/2006 - Sorry took ages to set up my new account, sent off 1st letter special delivery today. 14 days and counting. Forgot to say, charges just over £2000
08/04/2006 - Recieved letter to say sorry they are unhappy and my comments are being dealt with
12/04/2006 - Sent off DPA letter asking for information on manual interventions as I worked out my above amount from statements.
15/04/2006 - Recived cheque back and letter saying they are sorting out statements and that they dont know what manual intervention is
21/04/2006 - Sent of letter before action, also sent off reply about the manual intervention explaining what it is.
09/05/2006 - claim started on moneyclaim
25/5/06 - Its been acknowledged
I didnt do a DPA letter, just worked it out from statements, do i need to do a DPA?
Seen all the mention of manual intervention, I just worked out all my charges on my account. Do I then need to check manual interventions as well with the DPA letter? Ive already sent off my first letter
Re: I didnt do a DPA letter, just worked it out from statements, do i need to do a DPA?
It is always worth doing - but there is no reason why you cannot commence the process for repayment immediately. The only time you will need the manual intervention evidence is if they decide to defend your claim in court.
Alan, Derby, UK.
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Advice given is purely my opinion, and is not based on any legal training.
I didnt include interest in my first letter, was this right?
I read on here somewhere not to put the interest charges worked out (using the excel doc) in the first letter. was this correct? And do I then add them in for the notice Ill be taking court action letter?
Im reading it all but think I may have messed up on the interest payments now, which equal £458!
Re: I didnt include interest in my first letter, was this right?
ok just found this in KrissyKrissy letter, so pretty sure I add on the interest using the excel doc in my 2nd letter whicch will be my notice of intended court claim.... right?
Re: I didnt include interest in my first letter, was this right?
You do not add the interest until you are filing a claim in court .The letter before action informs them that if it goes that far that you will be claiming the interest.
already started a claim but as advised Im going to send off a DPA letter to check for manual interventions, pretty sure I havent had any as all Ive ever had is go over drawn and the usual automatic fees and also the same for blocked or accepted D-debits
Anyway who do I make the £10 cheque payable to? Im guessing "Barclays Bank PLC"?
changed a bit on the DPA letter as Ive started my claim, this sound ok?
I enclose the statutory maximum fee of £10. You have 40 days in which to comply.
As you may note I have already started a claim for the disproportionate penalties against me but would now like to confirm any manual interventions on my account as to make the process much easier for both you and myself should this reach the courts.
so 12 people looked and no one knows who to make the cheque payable to? I have looked around but its not mentioned and I want to get it sent off at lunchtime
Re: changed a bit on the DPA letter as Ive started my claim, this sound ok?
Not too good, if you want me to be brutally honest.
From a form point of view, punctuation is a necessity.
From a sense point of view, 1 - you want THEM to confirm manual intervention. 2 - How is confirming manual intervention going to make things easier in court?
Finally, I've just had to go through all your posts to understand what's going on with your claim, and I notice you're starting a new thread every time you have a query, when it's all part of the one claim. Please don't do that, stay on one thread. I'm now going to have to go and join them all, which is time consuming.
Apologies to people who I was in the process of helping, I may be gone some time.
Sorry about that, didnt realise to raise minor queries in the same thread
Oh well I've just gone and sent it off, I thought we HAD to ask them for manual interventions?
I doubt Ill have any anyway, well hope not as I've never had to deal with anyone its all just been slightly over my overdraft and get the charge and the standard letter in the post.
Oh and it will make it easier in court if they use it as a defense, nothing there that can affect the case but as I hadnt sent the letter off and its POSSIBLE to reach court before they give me any come back on my DPA, if they then used manual interventions as part of their defense I could maybe use what I put in the letter.
I dont think it should affect my claim though.
I just realised I should have noted that I did send the WHOLE DPA letter and only changed the end bit, it should probably seem better now?
Just got my cheque and letter back saying they dont know what the Manual intervention is, pretty standard from what I have seen.
seeing as Ive already started my claim and I was only finding this out in case they used it for defense should I just ignore it? If they bring this up as a defence I can bring up the letter right?
Bank fodder do you need a scan of this letter?
PS they have said they will be supplying statements, well I already have them.
Court Next week! **ANOTHER BARCLAYS WON**
statements and can tell Im going to need a lot of highlighters!
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