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.
How much was your claim for? I found with HFC that if I just rang them after the fob off letter and just said "look we all know where this is going - I send you a lba, you say no - I file a claim - you pay, why don'y you just settle now" then they coughed raight away. Had a cheque for my GM Card and one for Beneficial on the way.
Hi
I have just phone hfc to say I am not happy with the £350.00 they have offered me and I am going to file a claim with the court and he said he would refund all the charges back
Good on you just out of curiosity how much were you claiming i have sent off my initial request and not heard anything from them yet my charges amount to £250 which would greatly help reduce my current balance with them
How can that be? I asked for the same amount back and they told me the charges were fair. I then told them that i wasn't happy and that i will take them to court what shall i do now? Suppose im gonna have to take them to court.
I recieved a letter from hfc saying they were not going to give me anything back.
Then I sent them the letter before action I got an offer for £350.00
I called them on friday to say I was not accepting the offer and was going to take them to Court then on Saturday I recieved a letter offering me the full amount ( £696.00 ) I am really pleased now I don't have to go to Court
Hi Seashell, who were you dealing with at HFC. I just sent my lba off and am thinking of trying the same tract when they reply.
Well done and thanks for the info.
Hi All
The person I was dealing with was a man called James Ball he was very nice the telephone number I have for him is 0121 214 5841 the total I was claiming was £696.00 and they are giving me the full amount back
Thanks for that Seashell. Its the same guy that has sent me the first refusal so theres hope its going to be easier than i thought. If not im prepared to go all the way.
He will give it to you after they offered me £350.00 I phoned them and told them I was taking them to court and he told me not to be hasty the next day I recieved the full amount offered
Hi Seashell. You were right about Mr Ball. He is a very nice man. Offered me half so i phoned him. All he asked was if i was not happy with the offer. When i said no he said he would have a word wit his manager and ask if he can give me the full claim then said he would send the revised offer out today (friday)
I just phoned James Ball and he came back with the full amount, after the lba he originally offered £125 - very easy win on this one....just followed the FAQS on the site!
;-)
Beneficial Finance won following LBA and follow up phone call
Halifax visa card- claim won; filed at court; HBOS settled out of court
I asked for a cheque rather than a credit to the account and it came within a week, as promised. He seems amenable so it will be worth phoning him to find out where the money is
Beneficial Finance won following LBA and follow up phone call
Halifax visa card- claim won; filed at court; HBOS settled out of court
I phoned and spoke to them. They confirmed that the cheque was posted thursday and so it should be on the mat when I get home today. Imust say that James Ball and co do seem rather friendly. So credit to them ( no pun intended )
letter recieved today
or not
The Consumer Forums
Reply With Quote
what shall i do now? Suppose im gonna have to take them to court.
