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.
rang Barclays 13th april just had 60 pound in charges taken from my account put through to head office asked for last six years statements sending them next working five days no charge for these they must be supplied free under data protection act. its a shame only last six years about ten years ago i got into difficulty and r b s had a birthday for 2years
they must be supplied free under data protection act.
Not quite true m8, they have a legal obligation to supply this data within 40 days from receipt of request, and can charge up to a maximum of £10 fee to cover costs
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Halifax - Total £2116 - Plus approx £300 in interest plus fees for 3 small claims...settled all within 3 weeks of claim.....Now for the mortgage..... Clydesdale Bank - Credit Card - Sent Data Protection Act - Awaiting statements Clydesdale Bank - Current Account - Awaiting statements
Thats my signature.........my cases.......nothing to do with your post
IF YOU FEEL I HAVE HELPED YOU IN REPLYING TO YOUR POST, CAN YOU CLICK ON THE SCALES AND LET ME KNOW
Halifax - Total £2116 - Plus approx £300 in interest plus fees for 3 small claims...settled all within 3 weeks of claim.....Now for the mortgage..... Clydesdale Bank - Credit Card - Sent Data Protection Act - Awaiting statements Clydesdale Bank - Current Account - Awaiting statements
after receiving copy statements last week at no cost i sent lba off 18 april just received letter back today saying we are looking into you;re concerns and will give you an answer no later than the 23 of may, in the letter i sent they were given 14 days should i take action after the 14 days or wait till the 23 may. not sure because i jumped the gun buy sending lba off first. i realy want to stuf them
If you have only given them 14 days from first letter sent, then that might be a bit quick of the mark, usually you send preliminary request letter giving 14 days, the lba giving 7 or 14 days (i gave them 14)...as long as you can prove you have given them adequate time to reach an amicable agreement, and not just rush straight to the claim, the judge may frown upon it if this is the case........if it was me, i would probably send them a reply to their letter, saying something like, thank you for your reply, under the circumstances i will allow a further 14 days for you to deal with this matter, however upon expiry of this additional 14 days, i will screw you for my money back ......
but then again, it's your claim, your timescale, and your decision !!
IF YOU FEEL I HAVE HELPED YOU IN REPLYING TO YOUR POST, CAN YOU CLICK ON THE SCALES AND LET ME KNOW
Halifax - Total £2116 - Plus approx £300 in interest plus fees for 3 small claims...settled all within 3 weeks of claim.....Now for the mortgage..... Clydesdale Bank - Credit Card - Sent Data Protection Act - Awaiting statements Clydesdale Bank - Current Account - Awaiting statements
i gave the bank till the 23 postman just arived standard letter offering me half my claim with acceptance form. i am going to accept the partial offer and claim the rest through court action, thanks everyone for all youre help, what a great site, and i will certainly be spreading the word
Post moved. Please stay on one thread for updates on same claim.
yes you;re right i rang the number on the letter saying i accept the partial payment and would claim the rest through court action, i also told them that it would be easier on both parties to settle in full now and not involve the court, they said basically it was a good will gesture accept it or get nothing, i told them i will put in writing that i accept their partial offer and will claim the rest through the small claims court. i will give them 14 days to reply if still no result i will use money claim to get the ball rolling. hope i am doing this right
just received letter saying the amount offered was in Full and final settlement of your claim, i am therefore unwilling to adhere to your request to reimburse you with the full amount claimed,and it is with regret that you will proceed to the county court.i will go on moneyclaim tonight. would like advice on working interest out, thanks for your help on this site
has anyone got an idiots guide for working the interest out, and what formula to use, not sure on spread sheat. if i had a 25 pound charge 500 days ago what formula would i use
just had a look at my claim, it says to be held at northampton; if it was to go all the way could i get it swiched to my local court
If it ever got to a hearing it would automatically be transferred to your local court.
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.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
i have just rang moneyclaim to stop action and start another claim, what i dont understand is on the moneyclaim form i have used the template off this site and altered it accordingly, in the template is states i will be claiming interest but then it asks you if you want to claim interest and you must put the paragraph in the claim which takes the characters to 1400 you can only use 24 lines or 1080 characters doees this paragraph need to be put in, or is it enough that i have stated it allready in my claim. a bit confused at the moment
filled in particulars of claim stating i want to claim charges back plus interest, the next part asks you, if you want to reserve the right to claim interest,do i need to put this in my claim, i am claiming interest using the online calculater from when the charge was taken to now at 8%,
Yes if you want to claim the 8% interest you need to tick that option. If you are using moneyclaim online you will then get a popup box with some text which needs to be put in your Particulars of Claim.
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.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
walton v barclays **ANOTHER WON**
13th april just had 60 pound in charges taken from my account put through to head office asked for last six years statements sending them next working five days no charge for these they must be supplied free under data protection act. its a shame only last six years about ten years ago i got into difficulty and r b s had a birthday for 2years
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Originally Posted by paulwlton
