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.
OK, well after finding this site, I decided a couple of weeks ago to try this. I've not had many charges, but thought it would be worthwhile. I should state at this point that this was started by someone I know who works in the customer relations dept at Trinity Road.
Went through all my statements (I'm very sad, and still have every statement & letter since I opened the acount in 1998 ) and was rather surprised that it came to just over £500!
Sent the 'Request for Repayment of Charges' letter on 17th April (e-mailed to customerrelations@halifax .co.uk). Received a call a couple of days later from a guy who was a complete @@@hole, who offered me the palty & insulting sum of £118, and then went on to say that that was all I could ever hope to get! I politely declined, but he said he would put it in writing anyway. Suffice to say I never received an offer in writing.
He also wrote various insulting lies about what I had 'aparently' said to him on the Halifax's internal account notes system (did I mention I had a contact in there? ???).
Anyway, have just e-mailed a letter before action, so decided to post on here & let others know how I was doing.
Could be worth asking for a full DPA disclosure - the notes they have made should be included. If not then you could give them some grief via the Information Commissioner.
Alan, Derby, UK.
PLEASE HELP US TO KEEP THIS SITE RUNNING
EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
Or you may wish to buy one of these great resources:
Click on the above link to place your order - payment by Paypal.
_________________________ _______
Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.
DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.
Advice given is purely my opinion, and is not based on any legal training.
I would just stick with your lba and Moneyclaim if necessary and your timetable - they will respond - I've just had a successful outcome with Halifax - they did leave things till the last minute, but they did settle in the end...
Click on the above link to place your order - payment by Paypal.
_________________________ _______
Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.
DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.
Advice given is purely my opinion, and is not based on any legal training.
The Halifax have now acknowledged the claim, stating that the intend to defend in full.
I live in Halifax, and have done for a number of years, so the claim will be transfered to the court in Halifax - I never knew where the court building was in Halifax, but, stuck in the town centre traffic earlier today I spotted it. It's almost directly across the road from the Halifax's Trinity Road head office!!!
Trinity Road is also the location of the 'Head of Legal Services' who's acknowledged the claim. This has now got me thinking - What if they don't defend most cases because of the expense of going to court? How much expense is involved in them crossing the road?!?!?
I know that the likelyhood is that they'll settle, but if they do decide to defend it properly they're ideally placed (geographically) to do so!!!
That would be the ideal opportunity for you to become THE hero of the Halifax section of the BAG. Actually facing them in their local court - loads of publicity when you win.
Just let them turn up - they know they will lose.
Not a chance - they will settle before it gets there - too risky for them to get in the local rag with an embarrasing story like that.
I doubt very much that you'll ever actually see them in court, but if you do, this would make a lovely badge for the day!
..
.
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.
Got a letter yesterday - the Halifax have agreed to settle my claim. Unfortunately, I didn't realise that some of the charges fell outside of the 6 years, but they're paying me all charges within the 6 years (£442) plus the interest on the full amount I claimed, plus costs!!!
Purely for financial reasons, though, they're still not liable .
May be a silly question, but am I right to wait until I actually see the money before cancelling the Moneyclaim?
Would you please fill out our survey - HERE
(and don't forget we can only survive if we get donations!! cough cough)
Also, Yes - you are correct in thinking that you should wait until you receive the money in full before ending the 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.
JRB vs Halifax - SETTLED IN FULL
???).
, so decided to post on here & let others know how I was doing.
Reply With Quote
Re: JRB vs Halifax
Re: JRB vs Halifax
Re: JRB vs Halifax - I WON!!!
.