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 recently sent the initial letter to Barclays requesting a refund of the £1090 charges. I sent the letter on 20th September, and I’ve just had a response dated 26th September saying the following:
Dear Mr Pritchard
We are sorry you have had to contact us about the level of service you have received from Barclays. Thank you for taking the time and trouble to do so.
We are looking into your concerns and will let you have an answer or update as quickly as possible, but no later than 19th October 2006. In the meantime if you wish to discuss this matter further please call us on …….
Blah Blah Blah
My question is should I wait until Barclays deadline has passed or should I stick to my own deadline as in my initial letter?
Any advice on what should be my next move would be much appreciated
Stick to the timetable you set out in your preliminary letter. Send out the lba 14 days after the date of the preliminary letter
Preliminary Letter sent to Woolwich 05/06
LBA sent 19/06
Court claim filed 04/07 : Total £824.75
Acknowledgement of Service 27/07
Defence received 08/08
AQ filed 11/08
Barclays AQ filed 05/09
Hearing date 20/12 SETTLED IN FULL £840.49: 14/12/06
I've gone through the process described on this site and sent off all the appropriate letters etc. without much joy from Barclays. They did at one point offer me a miserley £90 in Full and final settlement from a claim of £1090.
Anyway Im going to take my N1 and shedule to the court tomorrow to start the proceedings. As Im a full time carer and so on a very low income I will be entitled to have the charges waived. My only question is on the N1 form should I still claim for court costs (wont the court want these - as they are in effect paying my fees) or should I leave the court costs off my claim altogether.
Do a search (Im at work so not got the link to hand) - there are a LOT of posts on a similar subject the last few days. And in them links to how to complete...
Barclays :- Settled March 07:o
RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???) Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|
04 Nov 06 - S.A.R - (Subject Access Request) letter sent
16 Nov 06 - Statements received - £2685.00 of illegal charges incurred
17 Nov 06 - PAR (Preliminary Approach for Repayment) letter sent
01 Dec 06 - Received Stalling letter from Barclays
02 Dec 06 - LBA (Letter Before Action) sent
18 Dec 06 - Claim filed with MCOL
20 Dec 06 - Settlement Rejection letter sent
03 Jan 07 - Claim acknowleged by Barclays
22 Jan 07 - Claim defended by Barclays
You wanna know how you do it? Here's how, they pull a knife, you pull a gun. He sends one of yours to the hospital, you send one of his to the morgue!
Please click the scales at the bottom left if you find my advice useful. However, the advice I give is only my opinion based on my experience, I am not trained in Law!
Ive read the other posts and the guide but they dont seem to answer these particular questions. The court sent me a N150 rather than the N149 aq, I think that this is a more detailed questionaire than the standard N149.
Scroll down to the bottom of the page of the link and there is a N150 after the N149
04 Nov 06 - S.A.R - (Subject Access Request) letter sent
16 Nov 06 - Statements received - £2685.00 of illegal charges incurred
17 Nov 06 - PAR (Preliminary Approach for Repayment) letter sent
01 Dec 06 - Received Stalling letter from Barclays
02 Dec 06 - LBA (Letter Before Action) sent
18 Dec 06 - Claim filed with MCOL
20 Dec 06 - Settlement Rejection letter sent
03 Jan 07 - Claim acknowleged by Barclays
22 Jan 07 - Claim defended by Barclays
You wanna know how you do it? Here's how, they pull a knife, you pull a gun. He sends one of yours to the hospital, you send one of his to the morgue!
Please click the scales at the bottom left if you find my advice useful. However, the advice I give is only my opinion based on my experience, I am not trained in Law!
Ring them!!!
Am i right in thinking your in Wavertree as in Liverpool?
I got a letter today, and my date isnt until the 28th March?!
THE STORY SO FAR:
~Asked for my Statements: 2/10/06
~Got them within 14 days (fair play)
~Asked for the money back:18/10/06
~Computer said no!!!! (not all of it anyway)
~Rejected the (crap) offer (£570/£1300): 11/11/06
~Computer said Hell no!!!!
~Barclays said I can go to court if I want (like they've got the balls to go that far!)
~MCOL done 29/11/06
~Barclays acknowledged: 18/12/06
~AQ received, filled out and returned: 4/01/2007
~Court date set for 28/03/2007
Cant help thinking that soon, Barclays might have to have a go with a test case.... Hope they dont choose me!!!!
Small (SORRY) donation given, cos i reckon i might win in the end, and without you guys i would never have started this process!!: 16/11/06
Ring them!!!
Am i right in thinking your in Wavertree as in Liverpool?
I got a letter today, and my date isnt until the 28th March?!
I take it yours was a settlement offer?
Apparantly my case is to be heard with a whole load of others next Friday. It looks as though the court as put aside a whole day to hear bank charge cases.