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.
Halifax Prelim letter sent 2/08 Fob off recv'd : 7/08, Settled 17/08, without LBA even being sent : £240 agreed, just £28 short of what we were claiming for!
BoS: All statments recieved, totalling £1,680 before intrest, 09/08 CCA Request sent to Hollis Briggs Solicitors, Prelim sent on 12/8. Hollis briggs never did reply to the S.A.R - (Subject Access Request). LBA has been sent, and action has begun in the small claims court! Return date 2/11, Prelim. hearing 9/11. Hollis Briggs have dropped the account, which is now back under BoS head office control! BoS ignored court claim, and din't reply at all. Spoke to rachel Hinchliffe, who said they did not recieve summons, now in her personal hands. 2/11 - Recieved noticed of debt collection on this account from Wescot, just more evidence of icompetency, and for court!
i'm sure they are just computer generated letters - ignor them mate!
Balck Horse are lots of fun to deal with, did you sort out a payment plan throught them? if so i'd say still go for refund on charges to reduce the debt - if not have a word with your management company and see what their policy on this is as they may have no objections to you claiming if it reduced your debt.
People who haven't made mistakes, haven't made anything!
The payment plan was sorted out throught Black Horse, in one of their offices. I was supposed to be paying £130/month, but I told them I could only pay £73/month. They sorted this out for a 6 month period when they will review it.
I dont want to start chasing them for charges just now incase they say I can't have further payment reductions, whatever.
There must be about £700 worth of charges on the account, as they seem to charge £30 for everything, and although the letter recieved this morning isnt in front of me, I am sure they charged me £195 for "Collection Activity".
I am getting so fed up with it, its unreal!!!
Halifax Prelim letter sent 2/08 Fob off recv'd : 7/08, Settled 17/08, without LBA even being sent : £240 agreed, just £28 short of what we were claiming for!
BoS: All statments recieved, totalling £1,680 before intrest, 09/08 CCA Request sent to Hollis Briggs Solicitors, Prelim sent on 12/8. Hollis briggs never did reply to the S.A.R - (Subject Access Request). LBA has been sent, and action has begun in the small claims court! Return date 2/11, Prelim. hearing 9/11. Hollis Briggs have dropped the account, which is now back under BoS head office control! BoS ignored court claim, and din't reply at all. Spoke to rachel Hinchliffe, who said they did not recieve summons, now in her personal hands. 2/11 - Recieved noticed of debt collection on this account from Wescot, just more evidence of icompetency, and for court!
I have applied for my copy of my credit agreement with Black Horse (came back as a photocopy of the agreement - nice, especially as the TOC aren't on the back!
What do I do now? I have searched the forum and cannot find a simple process to follow - send this get this back etc.
I have been hit by a late payment charge almost every month for a year due to a DD/wages error and also have a £230 'collection charge' which I find bizarre, as the payments have always been made within a week or so if the DD has failed?!
It seem my agreement has gone from 24 months to almost 60 cos of these charges and needless to say I am a bit miffed.
Can someone point me to a forum where the the process is explained nice and simple, for financial morons such as myself (must be a moron dealing with Black Horse!).
Fed Up with Black Horse
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