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.
two initial requests for payment sent off today for different accounts. £52.23+ £77.16. With these added to my current NW MCOL claim I'm still below the £5k small claims limit so I decided not to wait for the first claim to be resolved before sending these 2 in. Initial request sent to NW CC Op's, Regulatory Risk, POBox 5636, Southend on Sea, SS99 1WJ - as per Bookworms info in the contacts section. Wonder of these will ever reach Mr Higley ?!
That makes 9 different claims in 3 days & only one to go now !!
acknowledgement of all 3 letters dated 25/10 "It is not our policy to refund late payment/over limit fees that were charged previously at a higher level".
Just had a call from Mike in customer care, and "as you're accounts have zero balance, would you like me to send you a cheque for the full amount you're claiming?"
Another one bites the dust !!!:grin: :grin: :grin:
M-Stanley, Marbles , Barclaycard,Cap 1, NW CC's x 3, NWest, MBNA , HSBC CC ALL WON
Outstanding
Halifax initial 11/10 acknowledged 19/10 LBA 25/10
LTSB initial 12/10 LBA 26/10
Barclays initial 3/10,response 9/10 LBA 17/10,MCOL 1/11, defence &AQ 10/12
Bof Ireland mort' S.A.R 16/10, initial 23/11, LBA 7/12,MCOL 23/12
NatWest home loans S.A.R sent 23/10,Initial 16/12, LBA 6/1
NatWest business a/c initial 9/11, LBA 25/11, MCOL 9/12, AQ 20/1,cheque recieved 17/2 but had to send it back !!
HSBC c/a AQ returned 17/2
HSBC bus' a/c MCOL 17/2
Shelty vs NW credit cards ***WON***
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