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.
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a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I sent a letter demanding my charges to BOS on 7th April and I haven't had a reply. I contacted the Cusomer Relations but they could not tell me whether the letter had been received (a think they were possibly just saying that to buy more time though!). I assume that I go ahead this Friday with Court proceedings even though i've had no word from BOS?
I am finding this all a bit scary I must admit - family and friends keep saying "What if you don't get the money back?" and things which just makes me more wary!! But I will not back down! The only thing is if it goes to court I represent myself?! I have no clue about all that but 'spose I will cross that bridge if (or when!!) I come to it!!
I'm just glad I can come here and get some support. Any help anyone can give would be most appreciated!
Keep your wits about you, don't let it daunt you and stick to your timetable. If you gave them 14 deays to respond, then let that time expire. If your next step is raising a claim, then do so, otherwsie send the second letter.
What the banks want, more than anything, is for people to lose their nerve, and then hopefully they will go away...we won't do that here, because it is our money and we want it back.
Hang in there and good luck.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Okay, just phoned BOS to see if they have received my letter..and surprise!..they haven't. So I am about to fax it now! I take it I now give them another 14 days? The lady on the other end said my letter could be sitting waiting on someone picking it up but she said if it was with the correct person it would have been scanned onto the system and she would be able to see it on the screen!
I think I have probably made a small mistake too..I sent one letter asking for all my statements for last 6 years (although have since seen that might only get 5 years in Scotland but will go with six anyway!), got them, then sent a letter asking for my charges back, gave them 14 days or take them to court. I think I possibly missed a letter asking for it back and giving them 14 days before I should have sent the final letter but ho-hum it's done now!!
Anyone know about the 5 year thing in Scotland, i've seen a couple of peeps asking but no replies...?
So I am about to fax it now! I take it I now give them another 14 days?
Hell NO! If they can't sort out their internal post, that's their problem!
Let's see: If you were away for 2 weeks, you come home and there's a letter from them demanding payment that came the day after you went away... Do you think they'd let you have another fortnight's grace? What do you think?
They will try anything, say anything, do anything to stop you getting your money back. Remember that at all times.
Apologies to people who I was in the process of helping, I may be gone some time.
Firstly thank you to all for your support, it astounds me the amount of help and support there is available to numpties such as me!! Heehee!
Okay, so I sent the fax, but I said on the bottom this was the second copy I was sending, and that I would give them another 14 days (Okay, my bad, I should have stuck to the original 14 days, but I just thought I would give them the benefit of the doubt, am kicking myself now!!) so I really should give them an extra 14 days eh?
I am also wondering if I would be eligible for a reduction in fees as I am without a job at the moment?
Okay, got a phone call from a lady at BOS offering £354 so she said she would send out a letter. Got the letter this morning, it said it was a "Full and final settlement" so I take it I can now start my court action? Where do I do this? I hope someone can direct me as Moneyclaim which has been spoken about, is only for England and Wales. Hope someone who has gone through this court procedure in Scotland can help me out as to where I get the forms and the likes...hope so..
So, since I was last on here I have lodged my claim at Alloa Sheriff Court. The return date is 30/6/06 and the Hearing is 07/07/06. I've had the claim in for about 3 weeks now and haven't heard from them to say they are going to pay up. I have been looking about and a lot of people claiming against the BOS have had a settlement within 2 weeks...should I be worried?!
Also, the nice people at BOS have since put three additional charges on my account so the original figure has now gone up about £160!! See..if they had just paid up when I asked them to.....
Since I was last on here BOS has agreed to refund the £706 in charges plus £39 for court fees. However no mention of interest. I have calculated, using the online tool, that I am due £814.63!! Is this correct? I have defo put the correct dates on but it seems a lot of money? I would appreciate it if someone could clarify if this is correct before I send my letter!
I would think the interest is about right. They are trying to fob you off without paying your interest. Personally I would wait it out but that is a descision only you can make. They will settle if full if you keep to the plan!!
Woolfie
If you are happy with the advice i have given please click the scales of justice above and give me a vote!! Thanks.
Advice & opinions given by Woolfie are my own, and are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Barclaycard 1- £520 claimed – settled
Barclaycard 2- £435 claimed - sett;ed
RBOS 1 £190 claimed - settled
RBOS 2 £6500 claimed initial letter sent 26/6/6
EGG £300 claimed – LBA sent 22nd June
Capital 1 £200 claimed – settled
No response from BOS - what now?
on 7th April and I haven't had a reply. I contacted the Cusomer Relations but they could not tell me whether the letter had been received (a think they were possibly just saying that to buy more time though!). I assume that I go ahead this Friday with Court proceedings even though i've had no word from BOS?
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Re: No response from BOS - what now?
Re: No response from BOS - what now?
Originally Posted by scotlass99
Re: No response from BOS - what now?
Re: No response from BOS - what now?
