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.
Hey... from the advice of Welshman i have started my own thread.... I will be sending off the first letter to RBS Saturday (as well as Barclays). I was going to do it tomorrow but as it is Friday 13th (!!) didnt want to jinx me in anyway!?
Will keep you updated and if you can offer any advice that woudl be great.
I am going away to Australia in February so am hoping to have some sort of closure before then!?
Anyway, that is me, i will keep you posted.
LH
ps - when you give 40 days is it 40 full days inc weekends?
its 40 calender days!! good luck and keep us posted xx
NatWest - Settled in full 22/05/06
RBS- Prelim sent 9/05/06 £1,147
£500 offer 27/05/06, rejected 30/05/06
LBA sent 25/05/06
MCOL 15/06/06
Defence received 20/07/06
Settled in full 01/09/06 wahey!!!!!!!!!
Well i recieved my statements today and have worked out that after charges refunded i am owed £1543.40 (do i round that up or down!?).
A few questions i am hoping you can help? Where do i send my Prelim Approach for Payment letter - and can i do all this by email or is post better? If by email does anyone have an address they can give me?
I have searched through the RBS contact details but the email addy's refer to lba's etc...
Many thanks! LH
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Barclays - S.A.R - (Subject Access Request) sent 18th October
RBS - £1543.40
S.A.R - (Subject Access Request) sent 18th October
Statements received 2nd November
Prelim sent 3rd November
LBA sent 21st November
I sent by post to my branch address, not sure if it can be done by email!
NatWest - Settled in full 22/05/06
RBS- Prelim sent 9/05/06 £1,147
£500 offer 27/05/06, rejected 30/05/06
LBA sent 25/05/06
MCOL 15/06/06
Defence received 20/07/06
Settled in full 01/09/06 wahey!!!!!!!!!
re the charges list - can i ask... do you add ALL the charges even if they have been refunded? As it stands at the moment i have only added the charges that did not get refunded and where it says for eg: 3rd Nov CHG £35.00 and 3rd Nov REF CHG £35, i just havent included this charge on my list.... is this right? does this even make sense??
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Barclays - S.A.R - (Subject Access Request) sent 18th October
RBS - £1543.40
S.A.R - (Subject Access Request) sent 18th October
Statements received 2nd November
Prelim sent 3rd November
LBA sent 21st November
you're right....you cant get the money back twice (although that would be lovely)
j
1/9/06 RBS claim #1
8/11/06 - claim settled
17/11 claim #2 started - incl creditcard
30/11 - CC statements received
31/11 - Prelims issued - RBS paying up, only M/C to go)
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ok, well i have received a letter and it is not acknowledging the charges at all!? I have stupidly forgotton the letter this morning as am now at work, but when along the lines of them not having to pay up as only credit card charged are being investigated by the consumer act or something along those lines and therefore they have not breeched our agreements etc etc...
not mention of the bankruptcy... just a jargoned off letter to fob me off.... what do i do now? 14 days are up from sending the prelim this Friday, do i still go ahead with the lba even tho they have acknowledged me and not accepted responsability??
Has anyone had a letter of this nature before?? All these questions, sorry,
Thanks, LH
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Barclays - S.A.R - (Subject Access Request) sent 18th October
RBS - £1543.40
S.A.R - (Subject Access Request) sent 18th October
Statements received 2nd November
Prelim sent 3rd November
LBA sent 21st November
Yes carry on as per procedure.
Send the lba.
They have more than one letter of acknowledgement and yours is one of those.
Of course they will not acknowledge the charges were unlawful they never will !!!
Stick to your course and go for the result.
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i am just about to send my lba off today but the template letter refers to me not receiving a reply from them. I have received a reply but they said that they are not responsible for anything.
Shall i just put as the beginning paragraph:
"I am very disappointed with the response that i received on the 14th November 2006.
I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations."
I know it is a few words that i have just changed but i just want to ensure it flows correctly?
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Barclays - S.A.R - (Subject Access Request) sent 18th October
RBS - £1543.40
S.A.R - (Subject Access Request) sent 18th October
Statements received 2nd November
Prelim sent 3rd November
LBA sent 21st November
LittleHobo-V-RBS
Saturday (as well as Barclays
Reply With Quote
. Will keep you all updated with news of what i have been charged!
Re: LittleHobo-V-RBS
).
