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.
Hi all, am somewhat down the road to reclaiming my bank charges (£1100) from a cahoot current account. As I got the ideas and advice from here I thought I'd let you lot know what I've been up to. I used the letter templates from the which? website.
Here goes:
17th October 2006 - Ask for a list of my charges
7th November 2006 - Asked them again
13th November 2006 - They sent me a list of all activity for the past 6 years rather than charge me and do a Data Protection Act search...rather nice of them. One highlighter pen later and I'm ready to ask for it back:
15th November 2006 - I ask for it back
28th November 2006 - They say no (by email)
Later that day - I send letter prior to issue.
30th November 2006 - They send email saying they're not budging.
11th December 2006 - I issue the claim with MCOL.
22nd December 2006 - They Acknowledge the claim (damn them !)
12th January 2007 - They Submit their Defence and offer me half.
Presently I'm writing my response to cahoot, will probably say I'll consider accepting providing they clear the overdraft and close the account (~£630) as that would add up to roughly what I'm asking for anyway. Doubtless they'll say no, but can't hurt.
Anyhoo, thats what I've been up to; sorry I've not contributed before now, especially since I've been looking here for guidance throughout. Thanks you lot, will keep you posted.
After they offered me half, I said yes but only if they cancel the overdraft and call it quits as well. Unsurprisingly, they said no but wanted to know if I still wanted half.
I said no (not as Full and final payment anyway), so am now waiting on a court date to force their hand. Allocation questionnaires had to be in by the 3rd of Feb so won't be long now ...hopefully.
Not particulary worried, going by the histories of everyone else on here, 'tis only a matter of time now.
Been away for a few weeks -just got married in vegas!- and came home to find a letter dated 1st March saying they'll settle in full and another with a cheque for £1388 in it!!
They'd even added interest (which I hadn't asked for) and added an extra £100 onto my legal costs! Which was nice.
Cheque is in the bank and will clear in the next few days -donation incoming!
Thanks a lot you guys, this site has been the best thing I've found on 'tinternet in ages.
Me VS Cahoot
rather than charge me and do a Data Protection Act search...rather nice of them. One highlighter pen later and I'm ready to ask for it back:
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Re: Me VS Cahoot
