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.
Goodevening!
As i said i think i have figured everything else out just one last question...... What do i put in where it says "SCHEDULE OF CLAIM FOR CHARGES" i told you it was simple! Just didn't want to make a mistake.
Thank you i am sending my letter out tomorrow - wish me luck!
laurenbelle, don't be put off it is very confusing for newbie's like us. like the reply says, you don't need to enter anything here, that's the title of the spreadsheet. Ask as many questions as you like, we all need help. Best of luck with your spreadsheet and if I can send you anything/help, please let me know. If I can't help, I might be able to point you in the right direction, but I'll always find time to answer.
Cheers
Sweetrevenge
Don't get mad - get even!
If I've helped you please hit my scales 'n' bump my rep!
RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12
WON at LBA with compound contractual interest £607
RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, £1,278, £4,279 and £7,250(!) all with contractual interest.
Thank you! very much!! I have done my signature already in anticipation for tomorrow! It isnt much but it will allow me to pay of my£100 overdraft and close my account without digging into my own (empty lol) pockets! Thank you again!
RBOS - 13/11/06 Preliminary approach for repayment SENT awaiting reply
by 28/11/06 - claim £178
- 16/11/06 REPLY RECEIVED offering £150
- 19/11/06 Letter sent accepting offer, on the
condition that all pending charges be lifted.
- 22/11/06 Money in the bank! VICTORY!
HSBC - 20/11/2006 Preliminary approach for repayment SENT awaiting reply
by 5/12/2006 - claim £320
Reply received offering £320 but by that stage charges were up to £350 and £125 pending. Requested £350 to be refunded and pending charges removed - DONE AND DUSTED on the 9/12/2006!!!
Well that didn't take long! Sent my letter 12th Nov and received a reply today( 18 Nov) dated 16th Nov with the usual "We believe our charges are fair...... blah blah blah" but on the nex page it goes on to say "
"Consequently, against that background, we must differ with the views expressed in your letter. Despite this, we have taken the oppertunity to review the charges that we hve applied to your account. As an exceptional matter we have agreed to refund £150 as a gesture of goodwill, due to receiving a £28 refund in June. Acceptance but you of this payment wiill be in Full and final settlement of all claims you may have relating to our charges. However our Terms & Conditions will continue to apply and any charges that accrue in the future must stand."
I think i am going to accept this offer on the condition that the £28 charge i will be receiving next week is scrapped (i received it for going 80p over my overdraft due to an interest charge by them!).
Any thoughts?
RBOS - 13/11/06 Preliminary approach for repayment SENT awaiting reply
by 28/11/06 - claim £178
- 16/11/06 REPLY RECEIVED offering £150
- 19/11/06 Letter sent accepting offer, on the
condition that all pending charges be lifted.
- 22/11/06 Money in the bank! VICTORY!
HSBC - 20/11/2006 Preliminary approach for repayment SENT awaiting reply
by 5/12/2006 - claim £320
Reply received offering £320 but by that stage charges were up to £350 and £125 pending. Requested £350 to be refunded and pending charges removed - DONE AND DUSTED on the 9/12/2006!!!
Should i call and request the fee scrapped (which i did already before i received this letter and was told it needed to be discussed with a manager and i would get a call back - which i didn't) or should i put it in writing?
If you recommend putting it in writing how should it be worded? Thank you so much! My overdraft limit is £100 so this will help me pay it off and close the account!
RBOS - 13/11/06 Preliminary approach for repayment SENT awaiting reply
by 28/11/06 - claim £178
- 16/11/06 REPLY RECEIVED offering £150
- 19/11/06 Letter sent accepting offer, on the
condition that all pending charges be lifted.
- 22/11/06 Money in the bank! VICTORY!
HSBC - 20/11/2006 Preliminary approach for repayment SENT awaiting reply
by 5/12/2006 - claim £320
Reply received offering £320 but by that stage charges were up to £350 and £125 pending. Requested £350 to be refunded and pending charges removed - DONE AND DUSTED on the 9/12/2006!!!
if you accept this then imo you should cross out the bit that reads of "all claims you may have relating to our charges. However our Terms & Conditions will continue to apply and any charges that accrue in the future must stand." just to save complications in the future
bos~ Data Protection Act sent ~ statements received ~ owed £1766.82 ~ prelim letter sent 30/08/2006 ~lba handed in 14/09/2006 bos Data Protection Act sent ~ statements received ~ owed £1217.86 ~ prelim letter sent 30/08/2006 ~lba handed in 14/09/2006
court date issued of the 17th november
27th oct full offer totalling everything including 8% interest court costs and £10 dpa sar..... one down next to go.
Thank you! An alarm bell went off in my head when i read that.
RBOS - 13/11/06 Preliminary approach for repayment SENT awaiting reply
by 28/11/06 - claim £178
- 16/11/06 REPLY RECEIVED offering £150
- 19/11/06 Letter sent accepting offer, on the
condition that all pending charges be lifted.
- 22/11/06 Money in the bank! VICTORY!
HSBC - 20/11/2006 Preliminary approach for repayment SENT awaiting reply
by 5/12/2006 - claim £320
Reply received offering £320 but by that stage charges were up to £350 and £125 pending. Requested £350 to be refunded and pending charges removed - DONE AND DUSTED on the 9/12/2006!!!
I acknowledge receipt of your letter date xx/xx/xx and your settlement offer of £XXX
I have been notified that a further charge of £28 is due to be taken on xx/xx/xx and will only accept settlement if your offer is increased to £178 to include this charge
I accept this offer without predjudice and I reserve the right to make any further claims should you apply future charges that may be considered unlawful under common law or in violation of the Unfair Terms in Consumer Contracts Regulations 1999 or Unfair Contract Terms Act 1977.
I trust that you will find this arrangement acceptable.
laurenbelle, can I just ask is this the full amount you are asking for, or a fob off amount?
Sweetrevenge
Don't get mad - get even!
If I've helped you please hit my scales 'n' bump my rep!
RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12
WON at LBA with compound contractual interest £607
RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, £1,278, £4,279 and £7,250(!) all with contractual interest.
I had only asked for £178 and was offered £150. I have 1 (maybe 2 ) charges pending so i think i am going to accept it on the grounds that those 2 charges are not applied. i have a £100 overdraft so that would be enough to pay that off and close that account.
-------------------------------- RBOS - 13/11/06 Preliminary approach for repayment SENT awaiting reply
by 28/11/06 - claim £178
HSBC - NEXT! Waiting for November charges to
be applied!
RBOS - 13/11/06 Preliminary approach for repayment SENT awaiting reply
by 28/11/06 - claim £178
- 16/11/06 REPLY RECEIVED offering £150
- 19/11/06 Letter sent accepting offer, on the
condition that all pending charges be lifted.
- 22/11/06 Money in the bank! VICTORY!
HSBC - 20/11/2006 Preliminary approach for repayment SENT awaiting reply
by 5/12/2006 - claim £320
Reply received offering £320 but by that stage charges were up to £350 and £125 pending. Requested £350 to be refunded and pending charges removed - DONE AND DUSTED on the 9/12/2006!!!
If I've helped you please hit my scales 'n' bump my rep!
RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12
WON at LBA with compound contractual interest £607
RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, £1,278, £4,279 and £7,250(!) all with contractual interest.
Silly question regarding spreadsheet
Reply With Quote
like the reply says, you don't need to enter anything here, that's the title of the spreadsheet. Ask as many questions as you like, we all need help. Best of luck with your spreadsheet and if I can send you anything/help, please let me know. If I can't help, I might be able to point you in the right direction, but I'll always find time to answer.
Sweetrevenge 
