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.
Well here goes first request letter to RBoS sent off today requesting £2500 + £300 interest be repaid. Letter sent to Teford - same place as I sent letter to Natwets. They must hate me there!!
Hi all, just a quick update, had a phone call from RBoS this morning saying they are looking at my request for refund etc, and I will receive a reply wihin 14 days. My reply was they have until 29/01/07, after that I will be sending the lba and it's my intention to go all the way.
Hi all, Just rec'd another letter from RBoS this morning, stating ' we are currently considering your claim and will respond to you as soon as possible'
On the letter is a direct line number 0131 523 3245, which I called and the 'mechanical voice' at the end of the line told me ' if the call is in relation to charges, thern please bear with us and we will get back to you by 31/01/2007. As my deadline for sending lba is 29/01/2007 I will give them the extra 2 days and see what happens.
I know everyone on this site says to stick to our schedule and not theirs and I do agree although I bent the rules a bit and during an e-mail conversation with RBS agreed to extend my deadline by 7 days as a matter 'of goodwill' (well if they can use that line, why can't we) when actually I just couldn't afford to file at court at the time. On the 6th day, having had no correspondence in writing up to this point, I received an offer for the full amount!
I guess every case is very different but I like to think that maybe that goodwill on my part, just came back to me!
Good luck!
RBoS - claiming charges of £3868
17/1/07 - Offer for full amount!! WON!!
3/1/07 - LBA Deadline - reminder e-mail sent
16/12/06 - LBA Sent
27/11/06 - Prelim Letter Sent - no reply at all
17/11/06 - Statements received
12/10/06 - S.A.R - (Subject Access Request) Sent
Can someone please change this thread to WE HAVE WON!!!!!!!!!!!!
£2979 paid into our account on Thursday.
1st letter sent 15/01/07
Reply rec'd 22/01/07 (stating that they are looking into the request etc.
Letter of offer rec'd 06/02/07 offering £2979, which we accepted.
No hassle no delays just pretty straightforward really. We are chuffed to say the least and although the money has been taken up in o/d etc at least we are on the road to being debt free.
Thanks to this site and all users.
Mike and 'shewhomustbeobeyed' v RBoS
be repaid. Letter sent to Teford - same place as I sent letter to Natwets. They must hate me there!!
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