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.
We had accepted an interim payment, they were holding out on the contractual interest. May have been a slight mistake in accepting the pertial payment.
However, another letter pointing out the closing court date illicited Full and final settlement ............:grin:
Thanks for all the assistance ........ Now its on to the next one ..........
Like what I say show - add to my reputation (click the scales!)
My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.
Halicrap - Full settlement 12/06 £408.34
Crapitol 1 - Settled in Full 27/04/07 £15808-)
All & Pester - Claim served £5695 4/09, Stayed
Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09
Lloybles - No CCA, CPR disclosure notices served.
Capital One PPI Claim - Clicky! 24th October 2011 - Message sent to request PPI refund
25th November 2011 - Letter received with offer of £158.04 (Works out at 2 years worth. Account held 7 years) 8th February 2011 - SAR received Dispute with car dealership - Clicky! Successful Halifax - £1110.00 (Closed Account) WON!! 28/11/06 -Pre-Lim with Schedule of Charges sent! 02/12/06 - Aknowledgment received (30th Nov) 11/12/06 - Phone call with offer 13/12/06 - Letter received confirming offer - Phoned up and asked to increase to £1000, offer accepted! 13/12/06 - WON!! £1000
Like what I say show - add to my reputation (click the scales!)
My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.
Halicrap - Full settlement 12/06 £408.34
Crapitol 1 - Settled in Full 27/04/07 £15808-)
All & Pester - Claim served £5695 4/09, Stayed
Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09
Lloybles - No CCA, CPR disclosure notices served.
Capital One PPI Claim - Clicky! 24th October 2011 - Message sent to request PPI refund
25th November 2011 - Letter received with offer of £158.04 (Works out at 2 years worth. Account held 7 years) 8th February 2011 - SAR received Dispute with car dealership - Clicky! Successful Halifax - £1110.00 (Closed Account) WON!! 28/11/06 -Pre-Lim with Schedule of Charges sent! 02/12/06 - Aknowledgment received (30th Nov) 11/12/06 - Phone call with offer 13/12/06 - Letter received confirming offer - Phoned up and asked to increase to £1000, offer accepted! 13/12/06 - WON!! £1000
I have just faxed a letter to the Halicrap informing them that they have not settled this matter as they have not paid the daily rate of interest ........
I expect the outstanding £14.04 they still owe me before I will stop the court action .....................
>>>>
In reply to your letter dated 24th November 2006.
I refer you to my letter of 25th November 2006 and all previous communications and my county court claim form served upon you.
You will note that there is, as is always the case in such matters, a daily rate of interest to settle such matters.
You have not taken that into account when attempting to settle this matter with me.
In the spirit of goodwill I will accept settlement as of my letter of 25th November. That being £109.39.
That being the case there is an outstanding amount of £14.04, required for Full and final settlement.
Once this is paid into my account I will notify the Court and this matter will be satisfactorily settled.
<<<<<<<<
Come on Halicrap, can you feel that, can you ................Thats the sting of salt in the wound ........ Well it made me laugh anyway, don't spose they even noticed !!!!!!!!!!!
There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.
Read through the FAQ Section.... Use these links :grin:
Like what I say show - add to my reputation (click the scales!)
My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.
Halicrap - Full settlement 12/06 £408.34
Crapitol 1 - Settled in Full 27/04/07 £15808-)
All & Pester - Claim served £5695 4/09, Stayed
Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09
Lloybles - No CCA, CPR disclosure notices served.
Salt and wound well and truly rubbed in, Halifax paid up the £14.04 daily interest today, that they had conveniently forgot when trying to settle with us.
They had got so confused by everything that they first filed a defence stating they dont repay bank charges!!! Of course they forgot that they had already done that - I enjoyed pointing that out to them. They tried ignoring me for a while, that didnt work.
So - WE WON AGAIN
Thankyou Halicrap, All charges repaid with the addition of 29.8% contractual interest and costs .....................
Survey done and thankyou payment made ............
There is no such thing as impossible; only the degree of difficulty required to achieve the desired outcome.
Read through the FAQ Section.... Use these links :grin:
Like what I say show - add to my reputation (click the scales!)
My advice & opinions are offered informally, without prejudice & without liability. Please use your own judgment.
Halicrap - Full settlement 12/06 £408.34
Crapitol 1 - Settled in Full 27/04/07 £15808-)
All & Pester - Claim served £5695 4/09, Stayed
Woolsnitch mortgage accounts - Claim served £2995 4/09, application to strike out 06/09
Lloybles - No CCA, CPR disclosure notices served.
WE WON Mrs thesergeant v Halifax
. May have been a slight mistake in accepting the pertial payment.
settlement ............:grin:
Reply With Quote
(Closed Account) WON!!
"Another charge by the Bank?"
........ Well it made me laugh anyway, don't spose they even noticed !!!!!!!!!!!
