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.
Having got the first claim against them out of the way, I have now embarked on the next one. This is one for charges that are more than 6 years old, and their initial response has been to send the sod off letter (even though I won the first claim).
As a consequence I have applied compounded contractual interest. On advice, this claim will also probably be submitted in two parts, to keep each amount low enough to remain in the Small Claims Court.
lba was sent on 12th November, the branch apparently never received it.
Discussions with TMcL's office resulted in a copy being faxed to them, and a friendly chat with the man himself. They are taking their time responding to this; apparently they are snowed under with claims. Anyway, every day the interest is mounting up... as I reminded them.
Prelim letter sent to RBoS 8/8/06 letter passed to another department...and Tommy fob off arrived
LBA sent 29/8/06 £2646.64 claimed - no reply
Claim entered 26/09/06 £2716 + interest. Not acknowledged so Judgment requested 17/10/06
Judgment in default 28/10/06
Cheque finally arrived 24/11/06, ring Group Litigation on a daily basis - you know it makes sense...
GE Money prelims sent for ERCs and charges on 2 accounts 18/10/06
LBAs on 2 accounts sent 5/11/2006
2nd claim against RBoS in 10/11/06, with threat of compounded contractual interest, c'mon now, concentrate...
Thanks Hadenough. I had not seen that thread before. I think that the difference between what went on in that hearing and what I propose is that mine is compounded contractual interest on the basis of reciprocity, wheras Hadyn's claim had an element of estimated interest in it. The figure that I have used for calculating contractual interest is a published one.
I had another chat with Customer relations at the RBoS today, to find out why there had still been no reponse from them. the chap that I spoke to seemed quite surprised that I hadn't yet gone down the court route. Almost seems like an invitation. Not sure whether they are now totally snowed under, or seeing how far they can push people.
Prelim letter sent to RBoS 8/8/06 letter passed to another department...and Tommy fob off arrived
LBA sent 29/8/06 £2646.64 claimed - no reply
Claim entered 26/09/06 £2716 + interest. Not acknowledged so Judgment requested 17/10/06
Judgment in default 28/10/06
Cheque finally arrived 24/11/06, ring Group Litigation on a daily basis - you know it makes sense...
GE Money prelims sent for ERCs and charges on 2 accounts 18/10/06
LBAs on 2 accounts sent 5/11/2006
2nd claim against RBoS in 10/11/06, with threat of compounded contractual interest, c'mon now, concentrate...
Seawall v RBoS, the sequel
old, and their initial response has been to send the sod off letter (even though I won the first claim).
Reply With Quote
