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.
RBOS have already refunded me £1250 as a "Full and final settlement" however i have seen that other people have accepted this and still claimed the full amount. Would you recommend i do the same? i accepted the offer last month but im still due around another £1000
It's your claim and so up to you, but from the hundreds - possibly thousands of posts I've read, I'd say you really should hold out for the remainder of YOUR money. It seems certain you WILL get it.
The suggested template letter is as follows:
Dear [named sender or Sirs]
Thank you for your letter dated xx/xx/xx
I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £xxxx
I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a county court claim if necessary.
My letter before action sent previously indicates that you have until xx/xx/xx to respond before Court action commences. You are reminded that there will be no extension to this timescale.
I trust this clarifies my position.
Yours faithfully
If I've helped, please tick the scales at the bottom left of this message!
17th Sept: Found this site!
Lloyds TSB
22 Sept: Subject Access Req. 3 Nov: statements arrived. Charges calulated at:
A/c 1 - £2,178.01 + int of £1,206.54 (18.4% authorised)
A/c 2 - £206.11 + int of £211.07 (18.4%) 7 Nov - prelim. 3 Dec - LBA 13 Dec - £750 offered 23 Dec - £750 credited 28 Dec - rejection letter 2 March - issued 16 April - complained at court failure to forward defence
Halifax
22nd September: Subject Access Request. 4th November: No reply so LBA giving 7 days.
Cap One
22nd September: Subject Access Req. 5th October: Letter saying no record of account! 15th October: Replied telling them to try harder... 22nd October: Subject Access Req acknowledged.
Already had some refunded. Try for rest???
settlement" however i have seen that other people have accepted this and still claimed the full amount. Would you recommend i do the same? i accepted the offer last month but im still due around another £1000
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