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.
received statements after SAR on Saturday along with letter from Rachel Claridge stating she had credited £270 to my account as gogw as a final settlement of my complaint, nothing like getting their offer in first, I haven't even requested a refund yet !! however after waying up my options for all of 10 seconds sent prelim of today requested refund of charges + interest totalling £1065 lets see if they can refund the remainder a quickly.
Finally got round to posting my lba letter off yesterday asking for the remaining outstanding money, got home today to find another letter from Rachel Claridge refunding me a further £473 which now covers all my charges but leaves the contractual int of £300+ only to be claimed for. will send a further letter asking for this back but how far should I push this as technically they have refunded all the charges
After a little bit of consideration I have decided to go the whole way with this one. I have redone my calculations using their cash advance rate to calculate contractual interest and written to them asking for the full settlement within 14 days otherwise a court claim will be submitted. Using the new calcs they still owe me a further £1100. Not bad considering the charges were only £743. I have done this on the basis that they had not settled my original claim in full and thought they were trying to buy me off by adding a little at a time to their offer. We shall see what response, if any I get.
Gazzah, did you ask for your credit agreement? We have and it is not signed correctly by A & L, this has put a twist in the tail with MBNA, they have gone very quiet on us. if this is correct the whole thing could be unforceable for MBNA to recover the money from us. I am not counting my chickens yet, as morally we owe the principle on the card, but this could mean a considerable saving for us. All for the want of a pound. LOL..
gazzah v MBNA (A&L)
on Saturday along with letter from Rachel Claridge stating she had credited £270 to my account as gogw as a final settlement of my complaint, nothing like getting their offer in first, I haven't even requested a refund yet !! however after waying up my options for all of 10 seconds sent prelim of today requested refund of charges + interest
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Re: gazzah v MBNA (A&L)
