Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


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Thread: JD v's BOS

  1. 29th October 2006 20:07 #1
    jdonaldson jdonaldson is offline
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    Red face JD v's BOS

    Sent my initial request for repayment of charges for £270 couple of weeks ago - got reply offering me half back today.

    Quite impressed from first letter!

    But...of course I am due back £270+ £60 interesticon (if it goes to court) so that is £200 difference..

    lbaicon sent tomorrow

    CAPITAL ONE Amount owed £480+ interest £52.95
    Prelim 10th July 06
    Reply with £12 difference offer of £168 27 July 06 Replied 9th Aug 06
    Another reply from them 25th Aug 06 LBA sent 9 Sept 06
    Reply of last offer for £168 received 28th Sept
    Finally filed court papers 4 July 2007

    NATIONWIDE Amount owed £507 + interest £27.98 WON
    Prelim sent 9 Sept 06 LBA sent 9th Oct 06 Court papers filed 20 Oct 06 Won 15 Nov 06

    BANK OF SCOTLAND Amount owed £275 SETTLED IN FULL
    Prelim sent 14 Oct 06 Offered half refund 28th Oct 06
    Sent letter refusing part payemnt 31 Oct 06
    Full refund sent in a cheque from BOS on 3rd Nov 06
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  2. 29th October 2006 20:21 #2
    nathal nathal is offline
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    Default Re: JD v's BOS

    you should stick to the timetable you gave them, rather than waiting for their reply

    -----------------------------------------------
    Mortgage Express charges- settled in full after issuing claim

    ------------------------------------------------
    To view the FAQ'S click here: http://www.consumeractiongroup.co.uk...se-read-these/
    To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk...ction-act.html
    To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk...re-action.html
    To find Registered Address:
    http://www.esd.informationcommission...esd/search.asp


    If my advise helps click here http://www.consumeractiongroup.co.uk...n.php?p=366404
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  3. 29th October 2006 20:27 #3
    jdonaldson jdonaldson is offline
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    Default Re: JD v's BOS

    Sending them a thanks but no thanks letter - willing to give them another chance before I send the lbaicon

    CAPITAL ONE Amount owed £480+ interest £52.95
    Prelim 10th July 06
    Reply with £12 difference offer of £168 27 July 06 Replied 9th Aug 06
    Another reply from them 25th Aug 06 LBA sent 9 Sept 06
    Reply of last offer for £168 received 28th Sept
    Finally filed court papers 4 July 2007

    NATIONWIDE Amount owed £507 + interest £27.98 WON
    Prelim sent 9 Sept 06 LBA sent 9th Oct 06 Court papers filed 20 Oct 06 Won 15 Nov 06

    BANK OF SCOTLAND Amount owed £275 SETTLED IN FULL
    Prelim sent 14 Oct 06 Offered half refund 28th Oct 06
    Sent letter refusing part payemnt 31 Oct 06
    Full refund sent in a cheque from BOS on 3rd Nov 06
    Reply With Quote Reply With Quote
  4. 29th October 2006 20:33 #4
    nathal nathal is offline
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    Default Re: JD v's BOS

    the template letters and their time scale has a proven track record but if you want to divert it is your choice.

    the letters are giving them enough time to make an offer.

    if you send letters which in effect is stalling, they mightnt take you serious.

    -----------------------------------------------
    Mortgage Express charges- settled in full after issuing claim

    ------------------------------------------------
    To view the FAQ'S click here: http://www.consumeractiongroup.co.uk...se-read-these/
    To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk...ction-act.html
    To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk...re-action.html
    To find Registered Address:
    http://www.esd.informationcommission...esd/search.asp


    If my advise helps click here http://www.consumeractiongroup.co.uk...n.php?p=366404
    Reply With Quote Reply With Quote
  5. 3rd November 2006 16:16 #5
    jdonaldson jdonaldson is offline
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    Talking Re: JD v's BOS

    YES!!!!

    Got a letter from themtoday with a cheque for full amount!

    Am totally shocked this after just the initial letter and then a no I want all of it back please!

    Is this the easiest quickest success?

    CAPITAL ONE Amount owed £480+ interest £52.95
    Prelim 10th July 06
    Reply with £12 difference offer of £168 27 July 06 Replied 9th Aug 06
    Another reply from them 25th Aug 06 LBA sent 9 Sept 06
    Reply of last offer for £168 received 28th Sept
    Finally filed court papers 4 July 2007

    NATIONWIDE Amount owed £507 + interest £27.98 WON
    Prelim sent 9 Sept 06 LBA sent 9th Oct 06 Court papers filed 20 Oct 06 Won 15 Nov 06

    BANK OF SCOTLAND Amount owed £275 SETTLED IN FULL
    Prelim sent 14 Oct 06 Offered half refund 28th Oct 06
    Sent letter refusing part payemnt 31 Oct 06
    Full refund sent in a cheque from BOS on 3rd Nov 06
    Reply With Quote Reply With Quote
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