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.
You're in Scotland so Scottish Law applies, I think. There is a sticky in one of the scottish forums from the Govan Law Centre that explains jurisdiction thoroughly.
If you know how much you've been charged and have sent a preliminary letter before you can move striaght to the lba stage.
NatWest Charges: £3708.81. Allocated to fast track 14/10/06. *SETTLED IN FULL* 23/10/06 5% donation made
HSBC Default Removal and £186 charges: N1 claim issued 28/11/06 *WON* 28/02/07 5% donation made
Egg Charges: £370. N1 claim issued 24/11/06. *SETTLED IN FULL* 12/01/07 5% donation made
Natwest Student: £150. N1 claim issued 24/11/06. *SETTLED IN FULL* 10/12/06 5% donation made
Natwest Credit card: £317.01 INCLUDING CONTRACTUAL INTEREST, *WON* 30/11/06 5% Donation Made
Ikano Data Protection Act deception and non-complience: N1 claim issued 28/11/06. *SETTLED IN FULL* 12/12/06 5% donation made
I am not a lawyer. All advice is merely my own opinion. Nevertheless, I've won £4675 so far!
Tip my scales if you like my advice
The Alliance and Leicester is an English company.
Sue them under English law. You can go for the full £5000 per claim, then.
You cannot use Moneyclaim. Use the N1 form and send it to Northampton. For allocation of the case, pick an English court that you could reach in the unlikely event that the case ever reached the courtroom.
Good luck with your claim.
If this has been useful to you, please click on the scales at bottom left of post. Thanks.
Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.
Ok. But I found it useful to go down to the court and pick up forms, ask them stuff etc. If you pick Carlisle, for instance, you'd have to travel for any of that. As for the 5000 thing. I had my 3700 claim fast-tracked and actually though this worked in my favour. You could always hang the lower limit in Scotland and claim for the lot in a higher court (is it Sheriff Court?). I think after so many successful claims, we can be utterly sure of the justice of our arguments. So why be scared of a higher court?
NatWest Charges: £3708.81. Allocated to fast track 14/10/06. *SETTLED IN FULL* 23/10/06 5% donation made
HSBC Default Removal and £186 charges: N1 claim issued 28/11/06 *WON* 28/02/07 5% donation made
Egg Charges: £370. N1 claim issued 24/11/06. *SETTLED IN FULL* 12/01/07 5% donation made
Natwest Student: £150. N1 claim issued 24/11/06. *SETTLED IN FULL* 10/12/06 5% donation made
Natwest Credit card: £317.01 INCLUDING CONTRACTUAL INTEREST, *WON* 30/11/06 5% Donation Made
Ikano Data Protection Act deception and non-complience: N1 claim issued 28/11/06. *SETTLED IN FULL* 12/12/06 5% donation made
I am not a lawyer. All advice is merely my own opinion. Nevertheless, I've won £4675 so far!
Tip my scales if you like my advice
This will be my second attempt...
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