Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE
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  1. 6th January 2007 16:24 #1
    elin elin is offline
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    Default Long gap after sending LBA - too long?

    Hi,

    I sent an lbaicon to Alliance & Leicester with a 14 day deadline of 12.9.06. They responded saying no, again. I am now in a financial position to start a Moneyclaim (did not have enough cash before - thought i would be ok when i started) - do i need to start the whole process again, or can i start a money claim immediately?

    Any advice much appreciated,

    Elin

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  2. 6th January 2007 18:53 #2
    ecobabe ecobabe is offline
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    Default Re: Long gap after sending LBA - too long?

    my son did this, he simply sent a letter to them saying that he had been remiss in not following it up, gave them 7 days , enclosed a copy of the lbaicon and proceeded from there

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  3. 6th January 2007 19:06 #3
    livelylad livelylad is offline
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    Default Re: Long gap after sending LBA - too long?

    Quote Originally Posted by ecobabe View Post
    my son did this, he simply sent a letter to them saying that he had been remiss in not following it up, gave them 7 days , enclosed a copy of the lbaicon and proceeded from there







    I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.
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  4. 7th January 2007 11:36 #4
    PhantomReclaimer PhantomReclaimer is offline
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    Default Re: Long gap after sending LBA - too long?

    Quote Originally Posted by elin View Post
    Hi,

    I sent an lbaicon to Alliance & Leicester with a 14 day deadline of 12.9.06. They responded saying no, again. I am now in a financial position to start a Moneyclaim (did not have enough cash before - thought i would be ok when i started) - do i need to start the whole process again, or can i start a money claim immediately?

    Any advice much appreciated,

    Elin
    Makes no difference. You have just been extra reasonable in giving them additional time to consider the matter.

    P.

    Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.
    MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06
    Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06
    Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.
    Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!
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  5. 7th January 2007 11:50 #5
    BankFodder BankFodder is online now
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    Default Re: Long gap after sending LBA - too long?

    Just move on to the next step. try to keep to your delaines in future as these kinds of delays bring comfort to the banks and make your job and everyone else's more difficult

    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
    Please include a link to the post you want me to look at. If you have received a defence, contact me.
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE