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.
I have received all my statements from Nationwide, sent a letter requesting my charges plus interesting back, totalling approx. £6k, they have now written back saying no basically, not even an offer!!! Can someone give me an idiots guide on what to do next!
Thanks loads!
1/ Open 'parachute' current account.
2/ S.A.R.
(up to 40 days)
3/ Preliminary Letter
(14 days)
4/ letter before action
(14 days)
5/ File Claim @ Court
6/ WIN
7/ Get on with life!...lol
P.S. Once U have sent your PL, work to your timescales NOT theirs.
Any correspondance U receive from the Nationwide, that does NOT offer U what U are Claiming for in FULL, is best ignored.
It is designed to put U off pursuing your Claim and by getting U in a tizzy, it will draw your mind away from your main aim.
Remember not to send off your lba before the date that U gave them to respond favourably to your PL.
Don't forget to enclose an updated version of your spreadsheet figures with your LBA.
U wouldn't be the 1st if U do forget!
btw...Hope U are also Claiming C.I. @ 24.9% APR??!
I have received all my statements from Nationwide, sent a letter requesting my charges plus interesting back, totalling approx. £6k, they have now written back saying no basically, not even an offer!!! Can someone give me an idiots guide on what to do next!
Thanks loads!
They wont negotiate with you, court is the next stage with money claim online. You will have to read through stuff onthis site to help you. it will cost you around 120 if the claim is under 5k though, dont know if thats just one account or a few put together, but know if your claim is over 5k it costs slightly more. dont be put off its game on now.
1/ Open 'parachute' current account.
2/ S.A.R.
(up to 40 days)
3/ Preliminary Letter
(14 days)
4/ letter before action
(14 days)
5/ File Claim @ Court
6/ WIN
7/ Get on with life!...lol
P.S. Once U have sent your PL, work to your timescales NOT theirs.
Any correspondance U receive from the Nationwide, that does NOT offer U what U are Claiming for in FULL, is best ignored.
It is designed to put U off pursuing your Claim and by getting U in a tizzy, it will draw your mind away from your main aim.
I wish I had your confidence..... still waiting for their defense , 14 days left to 28!
Surely if this is going via MCOL then interest of 8% is all that you claim?
Try reading threads of winning Contractual Interest Claims!
Daily Compounded Contractural Interest (24.9%AER in Nationwide's case) is what Nationwide charges for unauthorised borrowing.
...and U want to just charge them s69 8%APR Statutory Interest, which is just simple interest, for likewise "borrowing" without your authorisation, when they have debited from your account unlawfull Bank Penalty Charges???
Help!!! Nationwide
, sent a letter requesting my charges plus interesting back, totalling approx. £6k, they have now written back saying no basically, not even an offer!!! Can someone give me an idiots guide on what to do next!
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Originally Posted by Poppy07
