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 have sent the first letter, had a reply basically saying "no can do". I sent the second letter, lba have now had a reply saying "I am sorry you are unhappy with our previous response and have requested that we refund all of the charges you have incurred. After careful consideration, I regret that I am unable to agree to your request. I appreciate that this is not the response you were hoping for, but I trust I have fully explained the Bank's position.@
Are they just trying to scare me to not go any further?? If so, it's working!
Do I now make the claim?
My charges aren't as much as what I've read of some people, so I'm not sure what to do.
Make the claim. They have told you that the are not going to pay you, yet to you have told them that if they do not, you will issue proceedings against them.
So do it.
Look here for details of the N1 and how to fill it in.
There is no need to be scared, YOU are suing THEM.
iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted. Vanquis - Claim issued, no AoS or Defence received
little village in wales no point putting it here no-one would have heard of it
Posts
1,476
Re: Barclays/woolwich - Letter Of Refusal
Hello and Welcome
First of all don’t panic - you will soon have your money back in your hands where it belongs!!
Before you start anything make sure you read the FAQs and as many threads as possible as there is a wealth of information on here!!
Before you begin, make sure you start your own thread in the bank forum you are claiming against. Here you will have other “experts” who know how that particular bank reacts. As you have already posted this one, I assume you already know how to do that!
If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me and I will be happy to help you.
Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!!
Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do!
Good Luck
Allyxia
KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH
The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains
HSBC £1200 - Settled in Full Cap 1 2 X £100 - Settled in Full Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order NatWest £2215.60- Settled in Full and Removed Default Natice Woolwich £3690 - Settled in Full
Make the claim. They have told you that the are not going to pay you, yet to you have told them that if they do not, you will issue proceedings against them.
So do it.
Look here for details of the N1 and how to fill it in.
First of all don’t panic - you will soon have your money back in your hands where it belongs!!
Before you start anything make sure you read the FAQs and as many threads as possible as there is a wealth of information on here!!
Before you begin, make sure you start your own thread in the bank forum you are claiming against. Here you will have other “experts” who know how that particular bank reacts. As you have already posted this one, I assume you already know how to do that!
If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me and I will be happy to help you.
Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!!
Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do!
Good Luck
Thanks for your help. I'll do what you say and let you know how I get on!
little village in wales no point putting it here no-one would have heard of it
Posts
1,476
Re: Barclays/woolwich - Letter Of Refusal
ok well done goodluck
Allyxia
KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH
The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains
HSBC £1200 - Settled in Full Cap 1 2 X £100 - Settled in Full Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order NatWest £2215.60- Settled in Full and Removed Default Natice Woolwich £3690 - Settled in Full
Barclays/woolwich - Letter Of Refusal
have now had a reply saying "I am sorry you are unhappy with our previous response and have requested that we refund all of the charges you have incurred. After careful consideration, I regret that I am unable to agree to your request. I appreciate that this is not the response you were hoping for, but I trust I have fully explained the Bank's position.@
Reply With Quote
Originally Posted by hagenuk
