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 requested Statements and they were sent well within the time limit. Started my spreadsheet, however I noticed one months statement was missing, I wrote requesting the missing statement, and that they could still comply within the time limit, they have replied stating that the missing statement had not been copied to film. There may be a late payment fee on that month, do I guess as they will also not be able to check.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
Sainsbury's Bank is a 51/49 JV between Sainsbury's and HBOS (parent company of halifax). As far as I know Halifax run the operational side of the business.
Hi Thanks For You Help I Found You!!!i Put In Your Address Of 33 Holborn For The Court Claim And It Accepted. Thank You. I Also Submitted One On Friday For Argos As Well. I Still Have Lots More To Do, Barclays, Woolwich And Hfc Etc!!i Have A Couple Of Weeks Off Work So I Am Trying To Complete Them This Week. I Have Only Had The Info Since September!!! I Find The Speadsheets A Little Confussing. Probably Only Me Though As I Can Be A Bit Dense Sometimes! Have You Any Other Claims You Are Pursuing? Emma
I have Woolwich, you know that they are part of Barclays, but address everthing to Woolwich initially, I did MCOL as Barclays T/A Woolwich, start them as soon as you can, they tend to run all the way to the wire.
Also HSBC but watch HFC they have been known to play dirty, have a look at this thread http://www.consumeractiongroup.co.uk...re-return.html and just started Halifax.
I Just Read The Thread Regarding Hfc What A Mess!! My Account Was Closed With Them 3 Years Ago And They Only Owe Me Approx £400 So I Should Be Okay. They Were A Nightmare When I Had The Credit Agreement With Them So The Thread Did Not Suprise Me!
I Am Going To Tackle Another Claim Today. I Figured Try To Do One A Day As I Have Lots!
Offer received, a little late "demonstrating their commitment to me", have already started my MCOL, offer is about one third of claim amount, but I do have 8 weeks to consider it.
I Am Still Waiting For A Response From The Court Claim For Sainsburys And Argos. I Received A Letter Of Confirmation Stating They Have Until The 7 March.
I Am Now Trying To Complete The Spreadsheets For My Other Claims Ie Barclays, Woolwich Etc........i Find Them Very Confussing. I Work In An Accountants Which Is Actually Rather Embarrasing!
This Is How I Heard About The Consumer Action Group. How Did You Find Out About It?
Sharkie - V - Sainsbury's Visa ***I WON***
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Sharkie - V - Sainsbury's Visa
