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've filed my claim online with moneyclaim (I live in England) and T McL has written to me to say it's now being handled by their legal team (who have now acknowledged the claim).
I'm just thinking maybe I've done the wrong thing - I'm claiming a total of £2.1k including £500 odd interest (at 8%). Maybe I should have accepted their last offer of £1350 if they would have agreed to pay the £120 moneyclaim costs. I have rejected this offer but not sure whether it's too late to accept. I am feeling quite out of depth.
Any advice or comments would be most gratefully received - also does anyone know how long am I likely to have to wait for a court date?
It's really daunting when you think about it....little old you taking on a financial institution with inexhaustable amounts of cash! BUT and yes! that is a big but (no comment please ) NO ONE (in this country at least) is above the law! when they charged you disproportionate fees they were breaking the law and they know it! it's up to us to get the money they took from us back, it's up to us to stand up to them and hopefully make changes......it's really up to us!
just PM'd you, but like Willow says, STICK TO IT! Until they cough up, they are in the wrong, it is your money and how great would it make Christmas for you to have it all back?
BC (BC is back from afar!)xx
Big Col
RBS LBA 20/06/06. WON - 21/10/06
MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!
MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!
BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06
Green On!
If the post/advice helps, pse click on the scales!!
Thanks for the kind words guys -they've done the job, I'm back on track and going nowhere til I get my money.
My friend is a lawyer, before she left work to have kids last year she'd never lost a case against Cobbetts... she's dying to dust off her old suit and get back into court to represent me so I'm kind of hoping it gets that far!!
Got my Cobbetts defence pack this morning - all very exciting. Just a few questions:
1. Does anyone have a reply to CPR 18 request that I could adapt?
2. Some of the other threads refer to an allocation questionnaire which was in with the defence pack - I don't have this, only the defence and the CPR 18 request. What should I do?
Try either or both of these for some very interesting cpr18 stuff, including sending your own cpr18 request to Cobbetts which for some reason they seem quite scared of!
I have actually worked in banks for several years now - needless to say that I have the same problems with them with my account. Given the enormous amount of publicity surrounding bank-charge reclaims/ OFT/ FSA etc it'd be a really good idea to change your username and disclose as few details as possible as at some point i'm sure their enterprise risk departments will read all these threads..........
Jo v RBS
(at 8%). Maybe I should have accepted their last offer of £1350 if they would have agreed to pay the £120 moneyclaim costs. I have rejected this offer but not sure whether it's too late to accept. I am feeling quite out of depth.
Reply With Quote
) NO ONE (in this country at least) is above the law! when they charged you disproportionate fees they were breaking the law and they know it! it's up to us to get the money they took from us back, it's up to us to stand up to them and hopefully make changes......it's really up to us! 
(BC is back from afar!)xx
