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.
Well, I have received my statements and am in the process of calculating my claim.
Next I shall send my letter and the spreadsheet, but I am just wondering where to find the spreadsheet () I am having a blond day any help appreciated.
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.
Sent my claim and spreadsheet on 10th October. Received a letter today stating that they are willing to pay £900 (I have claimed £1700).
Is there a specific letter to send now, or shall I just write accepting the £900 as part payment and notify them that I will be pursuing the rest through the courts?
Help! I am all confused, just typing out the rejection letter, but it states that I will accept the offer as part payment and will pursue the balance and they have until the date sent in the lba letter to respond, but I haven't sent the LBA letter, I have only sent the first letter with a copy of the schedule of charges and they have made me an offer. What now?
Accept the offer as partial settlement, wait until the 14 days has elapsed from when you sent your firsty letter then on the 15th day send the lba.
Dont let them dictate the timetable, from now on they follow your lead.
Did you get a reply to your refusal letter yet? Just got a full offer after refusing the initial amt in full settlement last week. Have sent acceptance today and will now have to wait for it to hit my account (hopefully soon!)
If you are still waiting, hang in there - you have the right to all your money and they will give it to you in the end!!
.·:*¨ ¨*:·. Blueberrys .·:*¨ ¨*:·.
We are all in the gutter but some of us are looking at the STARS****
If I've helped please click my scales ! THANX!!!
HalifaX PLC***WON 24.11.06 - REFUNDED £666.94 after MCOL***
First Direct ***WON - REPAID IN FULL 3.11.06!!!***
I always thought that if you send a prelim letter and don't get a satisfactory responce i.e. your full claim offered back, then you go straight to lba regardless of whether they replied after 1 day or on the 14th day. What I mean is, you don't have to wait 14 days if they reply to you before the 14 days is up, they have a max of 14 days to reply but if they reply sooner you can send your next letter straight away.
As far as I understood it, having given 14 days in the preliminary letter, this dictates the timetable for the lba - it is possible, albeit not likely, that they might make further contact within that time frame and shows you have given them every chance if you have to take your claim to court. My LBA went with the partial acceptance because the 14 day period was up at that time.
.·:*¨ ¨*:·. Blueberrys .·:*¨ ¨*:·.
We are all in the gutter but some of us are looking at the STARS****
If I've helped please click my scales ! THANX!!!
HalifaX PLC***WON 24.11.06 - REFUNDED £666.94 after MCOL***
First Direct ***WON - REPAID IN FULL 3.11.06!!!***
I have also sent a letter to First Direct asking for 6 years worth of credit card statements, copies of signed loan agreements and proof that the PPI I was 'mis sold' was not infact 'mis sold'!
I had a separate policy which I paid into for years to cover my salary if I was unable to work for any reason, but was informed that I had to take their policy or not qualify for the loan. The only trouble is, my loans are all pretty old. I'm going to give it a go though.
If they didn't hate me before (claim going through for £1780) they'll definately hate me now
Two days left until lba expires and they have sent me a letter stating they will be making no further offer and this is their final letter - anyone else had that?
HELP! lba has expired and when I went online to look at the Money Claim I realised that I have already claimed the interest (8%) in my previous correspondence by mistake. The bank has not offered me the total of the charges in any case, but does this mean I can not proceed and need to write to them explaining this and giving them more time? HELP!
Well from searching the site and reading other peoples posts on mistakes made, I have decided to proceed with my claim. The bank have never offered me the full amount of the charges only, so I figure I am safe. Fingers crossed.
Gingi1 v First Direct
) I am having a blond day
any help appreciated.
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