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.
I am new to this !!
Have only sent my first letter today
but very excited about the processes!!
can anyone tell me if you can claim against accounts that have been closed for a few years??
any advise when dealing with the woolwich would be appreciated?
question from a friend who i am passing the website info onto -
can you claim charges if you are still hugely overdrawn and a debt management (chiltern) company are in charge of your finances
She pays them and they pay off her various debts and take £12 for the service - sounds like another [problem] to me but thats her situation!
Its been ages since i first posted, ive just been going through the reclaim process since then but thought id update everyone as i'm getting to the trickier bit now!
Woolwich (Barclays) offered me less than half of what i was asking for and refused to budge so i ended up putting in a claim on moneyclaim online
This has all been going well, they acknowledged the claim but then the 28 days passed so i started judgement only for them to enter a defense the same day!!
This was only yesterday (22nd march) so im just starting to get up to speed on the next steps of the process
Just starting to get slightly nervous now but i will keep going as i really believe the charges are unfair (all my friends and family are now reclaiming their bank charges too after my nagging!)
Sorry you haven't had any post replies, I have only come across your thread as it's moved to the top of the Woolly page!
As long as you have been following the template letters and timescales on the site, you have nothing to be nervous about (which is easy for me to say I know!).
As you probably know from reading other Woolly posts, the last minute defence thing is typical of this bank's reaction so take comfort that they are following a pattern of response that has seen cases before yours go on to be successful.
With regard to claiming for an account that has been closed for a few years the answer is a definitive yes, you can still claim though I'm unsure about whether the 8% is added up to present day or only til the date you closed the account (or did they close it?) Someone will be along soon to clarify that.
Well done for getting this far and be happy and calm about it, not worried, you will soon be getting your money back!
right, so ive got my allocation questionnaire which ive filled in and ive attached a Draft order for Directions so im pretty much ready to send it off to the court
So just wanted to check that i didnt need to include anything else, such as a list of the charges and interest im reclaiming etc
And to check if its better to return the questionnaire with plenty of time to spare (last date for filing is 10th April) or leave it until a few days before, or doesnt it make any difference!
I have received my notice of allocation hearing letter and i have been requsted to attend a hearing via teleconference as the judge has 'decided a hearing is necessary before a final decision about allocation has been made'
The reason given for the hearing is
'the legal issues raised by the claim make it unsuitable for Small Claims Track and the court is considering allocation to Fast Track'
This is probably because I included the draft order for disclosure with my aq and as this is not available in the small claims track we need to be allocated to the fast track instead
Is this a reasonable assumption?
Hopefully because the judge is considering ordering the disclosure order!
Has anyone else had this experience or used the fast track to claim back their charges (my claim is for around £1500)?
lisasparkle v's woolwich
(chiltern) company are in charge of your finances
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Re: lisasparkle v's woolwich (barclays)
