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.
Hiya
Im currently trying to sort out the bank charges for my boyfriend and his mum. His mum received a letter back on friday saying that they are investigating the claim but it may take another 4 weeks. I dont know what im meant to do after this? am i meant to send another letter? im a bit confused by it all, as im just out of uni i said that i would do it for them and do not want them to be disappointed with the results.
if anyone could advise me it would be of a great help
xxxxx
stick to your timetable NOT thiers, follow the step-by-step guide in the FAQ section of this site, and good luck!
the letter you got is a standard fob-off one that everyone gets, so don't worry!
Data Protection Act letter sent 10/04/2006,
priliminary letter sent 23/05/06,
LBA sent 7/06/06
claim issued 23/06/06
deemed to be served 25/06/06
Abbey Acknowledged with intent to defend, they have got until: 23/07/06
50% offered + interest, rejected: 21/07/06
AQ recieved 27/07/06,
AQ posted back 09/08/06
Court date 13/12/06
Hiya
Ive posted before but couldn't find my other one to re-post! what can i say computers arn't my strong point!!
I am currently trying to sort out my boyfriends and his mum's bank charges for them, how nice am i ay?! They have said that if i do it for them i will get 10% of what they're owed so not all nice am i he he!
Basically ive sent the first letter off and got a reply for his mum saying they would look through the complaint and it would take another 2 weeks. We sent another letter off saying that we intended court action etc, that runs out on thursday. Do i have to register with money claim now, or wait til then. Has anyone else received a letter after the 2nd 14 days??
Also with my boyfriends claim they havnt even replied to his 1st letter and it has been well over 14 days? do you think they're ignoring it, or because they live in the same house they think one letter will suffice!! i am about to send his 2nd letter off now.
If anyone can help me get through this process, i need it!
jamie-anne
xxx
The only thing is that for my boyfriends one i dont think that ive kept the recorded delivery slip! will this matter if it goes to court as they could say that ive only sent the second letter?
jamie
Had a reply from Abbey, after 2nd lba letter.
It is dated 10th July and received today which is 22nd!! Do you think it was pre-dated?! i think so.
it basically says: i have carefully considered the points you have raised, namely that you feel the charges are contrary to the unfair terms in consumer regulations 1999. the fact remains however that the charges in question were prompted by payment requests against insufficient funds. as such, they are valid and in line with our terms and conditions. furthermore, having reviewed your account, i can see this is not the first time you have incurred charges. (considering that the account has only been opened three years and that is what is being claimed for, i dont understand what they are talking about)
............... However as a gesture of goodwill and to allow you to regain control of your finance, i would like to offer to refund £105.00 of charges which are due to be debited your account on 26th July. I am aware that you have incurred charges previously. ultimately it is your responsibility to monitor your account and ensure there are sufficient funds in your account at all times, even in exceptional circumstances. Any future charges will therefore have to stand and no further refunds will be offered.
i don't know what to do carry on with going to moneyclaim or not. im scared that i wont get any money back etc. the letter does seem to be quite firm. it does say that there has been charges in the past etc. has anyone else had this type of letter etc. let me know
jamie
xxx
Hi just a quick one,
ive been charged since i put in my letter before action etc. can i add the charges they have charged me since the letter or not to the court claim??
ta
Hi just a quick one,
ive been charged since i put in my letter before action etc. can i add the charges they have charged me since the letter or not to the court claim??
ta
As far as I know yes you can - add it to speadsheet and send copy to bank, there has been discussion about this before but I cna't find it to quote you exactly
Reply With Quote
Re: Abbey reply letter
Originally Posted by jamie_c2000
