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.
NatWest Bank
- S.A.R Request Sent 21/9/06.
- Prelim Letter Sent 16/10/06
- LBA Sent 09/7/07
Barclays Bank
- S.A.R Sent 4/1/07
- Prelim Letter 1/2/07
- LBA Sent 16/02/07
- MCOL Filed 20/3/07
- A/Q Filed 30/5/07
- Court Date received 16/6/07
- SETTLED IN FULL £15XX.XX 07/7/07
Do i go back 6 years from todays date or the date i made my s.a.r??
NatWest Bank
- S.A.R Request Sent 21/9/06.
- Prelim Letter Sent 16/10/06
- LBA Sent 09/7/07
Barclays Bank
- S.A.R Sent 4/1/07
- Prelim Letter 1/2/07
- LBA Sent 16/02/07
- MCOL Filed 20/3/07
- A/Q Filed 30/5/07
- Court Date received 16/6/07
- SETTLED IN FULL £15XX.XX 07/7/07
I've only included charges from the date i sent my initial letter asking for repayment.
It means i miss out on one charge but im not too bothered about that.
Received reply to initial letter 8/2/07.
The standard letter were very busy will reply within 4 weeks blah blah blah
will give them the 14 days ( 15/2/07 ) then send the lba.
NatWest Bank
- S.A.R Request Sent 21/9/06.
- Prelim Letter Sent 16/10/06
- LBA Sent 09/7/07
Barclays Bank
- S.A.R Sent 4/1/07
- Prelim Letter 1/2/07
- LBA Sent 16/02/07
- MCOL Filed 20/3/07
- A/Q Filed 30/5/07
- Court Date received 16/6/07
- SETTLED IN FULL £15XX.XX 07/7/07
Does it matter if i dont include the overdraft interest and the charges only??
It seems really akward to work out so ive just left it out,
Will it affect my chance of winning if i leave it out??
NatWest Bank
- S.A.R Request Sent 21/9/06.
- Prelim Letter Sent 16/10/06
- LBA Sent 09/7/07
Barclays Bank
- S.A.R Sent 4/1/07
- Prelim Letter 1/2/07
- LBA Sent 16/02/07
- MCOL Filed 20/3/07
- A/Q Filed 30/5/07
- Court Date received 16/6/07
- SETTLED IN FULL £15XX.XX 07/7/07
Is it ok to send a standard rejection of offer letter with my L.B.A or should i send both letters seperatly??
Was quite tempted to take the offer but then i think if there prepared to offer half after my inital letter its worth taking it all the way to get the amount in full.
NatWest Bank
- S.A.R Request Sent 21/9/06.
- Prelim Letter Sent 16/10/06
- LBA Sent 09/7/07
Barclays Bank
- S.A.R Sent 4/1/07
- Prelim Letter 1/2/07
- LBA Sent 16/02/07
- MCOL Filed 20/3/07
- A/Q Filed 30/5/07
- Court Date received 16/6/07
- SETTLED IN FULL £15XX.XX 07/7/07
My offer letter has came from the following address:
Judith Harris
Customer relations
po box 449
Swansea
SA1 5WY
Do i send the rejection letter to this address??
And continue with my L.B.A to the registered London Address?
NatWest Bank
- S.A.R Request Sent 21/9/06.
- Prelim Letter Sent 16/10/06
- LBA Sent 09/7/07
Barclays Bank
- S.A.R Sent 4/1/07
- Prelim Letter 1/2/07
- LBA Sent 16/02/07
- MCOL Filed 20/3/07
- A/Q Filed 30/5/07
- Court Date received 16/6/07
- SETTLED IN FULL £15XX.XX 07/7/07
Is it ok to send a standard rejection of offer letter with my L.B.A or should i send both letters seperatly??
Was quite tempted to take the offer but then i think if there prepared to offer half after my inital letter its worth taking it all the way to get the amount in full.
Hi monkey - i amended the lba to reflect that i was rejecting the offer - i edited the LBA to say that i was sorry that Barclays have not responded ' 'positively' to my request for payment and that i would be continuing to court for the rest of my claim. I also sent all my correspondence to the head office at the Churchill place address.
Hope that helps
Regards Sandbag.
I seem to find it really easy to get myself completely confused with this
NatWest Bank
- S.A.R Request Sent 21/9/06.
- Prelim Letter Sent 16/10/06
- LBA Sent 09/7/07
Barclays Bank
- S.A.R Sent 4/1/07
- Prelim Letter 1/2/07
- LBA Sent 16/02/07
- MCOL Filed 20/3/07
- A/Q Filed 30/5/07
- Court Date received 16/6/07
- SETTLED IN FULL £15XX.XX 07/7/07
Do i continue to my set plans or when i return from holiday send another lba and continue on from that stage again??
NatWest Bank
- S.A.R Request Sent 21/9/06.
- Prelim Letter Sent 16/10/06
- LBA Sent 09/7/07
Barclays Bank
- S.A.R Sent 4/1/07
- Prelim Letter 1/2/07
- LBA Sent 16/02/07
- MCOL Filed 20/3/07
- A/Q Filed 30/5/07
- Court Date received 16/6/07
- SETTLED IN FULL £15XX.XX 07/7/07
NatWest Bank
- S.A.R Request Sent 21/9/06.
- Prelim Letter Sent 16/10/06
- LBA Sent 09/7/07
Barclays Bank
- S.A.R Sent 4/1/07
- Prelim Letter 1/2/07
- LBA Sent 16/02/07
- MCOL Filed 20/3/07
- A/Q Filed 30/5/07
- Court Date received 16/6/07
- SETTLED IN FULL £15XX.XX 07/7/07
From Filing MCOL Barclays have 33 days to defend (5 days for issue + 14 days to acknowledge + 14 days to defend = 33). If you file on 03/03 that takes you to 05/04. Now if Barclays fail to defend you would be away admittedly BUT Barclays do normally defend (the ones they have not is probably because they are snowed under).
It then takes about two weeks for an aq to come throught the post which take you to 19/04 and you then have to submit the AQ within a time limit specified with the AQ (mine was 14 days) so if thats the case you hvae until 03/05. So you should be back from you holiday on time.
If you want to besure you could delay submitting your MCOL by a week maybe to give you a little bit more leeway.
So it wont make to much difference if i delay filing MCOL for a week/ 2 weeks.??
I just really dont want to mess things up.
NatWest Bank
- S.A.R Request Sent 21/9/06.
- Prelim Letter Sent 16/10/06
- LBA Sent 09/7/07
Barclays Bank
- S.A.R Sent 4/1/07
- Prelim Letter 1/2/07
- LBA Sent 16/02/07
- MCOL Filed 20/3/07
- A/Q Filed 30/5/07
- Court Date received 16/6/07
- SETTLED IN FULL £15XX.XX 07/7/07
No I dont think it will mess anything up but I wouldnt delay more than a couple of weeks - I am not sure what the official line is on how long from expiry of lba to submission of MCOL is considered OK but I would have thought 2 weeks was fine.
NatWest Bank
- S.A.R Request Sent 21/9/06.
- Prelim Letter Sent 16/10/06
- LBA Sent 09/7/07
Barclays Bank
- S.A.R Sent 4/1/07
- Prelim Letter 1/2/07
- LBA Sent 16/02/07
- MCOL Filed 20/3/07
- A/Q Filed 30/5/07
- Court Date received 16/6/07
- SETTLED IN FULL £15XX.XX 07/7/07
NatWest Bank
- S.A.R Request Sent 21/9/06.
- Prelim Letter Sent 16/10/06
- LBA Sent 09/7/07
Barclays Bank
- S.A.R Sent 4/1/07
- Prelim Letter 1/2/07
- LBA Sent 16/02/07
- MCOL Filed 20/3/07
- A/Q Filed 30/5/07
- Court Date received 16/6/07
- SETTLED IN FULL £15XX.XX 07/7/07
NatWest Bank
- S.A.R Request Sent 21/9/06.
- Prelim Letter Sent 16/10/06
- LBA Sent 09/7/07
Barclays Bank
- S.A.R Sent 4/1/07
- Prelim Letter 1/2/07
- LBA Sent 16/02/07
- MCOL Filed 20/3/07
- A/Q Filed 30/5/07
- Court Date received 16/6/07
- SETTLED IN FULL £15XX.XX 07/7/07
Received the bog standard defence give or take a few words.
No A/Q required.
No court date set do i receive that later???
I've sent a further set of charges im claiming to Barclays.
Is there anything else i need to do??
NatWest Bank
- S.A.R Request Sent 21/9/06.
- Prelim Letter Sent 16/10/06
- LBA Sent 09/7/07
Barclays Bank
- S.A.R Sent 4/1/07
- Prelim Letter 1/2/07
- LBA Sent 16/02/07
- MCOL Filed 20/3/07
- A/Q Filed 30/5/07
- Court Date received 16/6/07
- SETTLED IN FULL £15XX.XX 07/7/07