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.
Just received Abbey's Defence Letter. Advice please.
Hi there
I've been having an ongoing battle with Abbey for about six months. Like many, I've been charged vast amounts of bank charges over the years. When this bank charges reclaiming business began to hit the news I decided to take action myself.
Abbey responded to my initial letter (the standard downloadable one) by offering me a 'goodwill' payment of £1300, which I declined, although the money was immediately put into my account (which had been frozen by Abbey) and I was unable to persuade them to take it back.
No matter. I asked for details of my bank charges for the last six years on no less than seven different occasions. I threatened the Data Protection Commissioner but in the end Abbey merely ingnored my letters so I started a small claims court action to the tune of £5000, an estimated figure on my part filed because Abbey have not sent me my six years' bank details as requested.
Since then Abbey have tried all the tricks: Account frozen, letters ignored, debt collectors ringing me up and knocking on my door, bad credit on my credit record. It's been a pain in the neck, actually.
My question is this: I got an 11-point defence letter from Abbey yesterday so I assume a letter from the court will arrive in due course. What I'd like to do is respond to this 11-point defence and ask Abbey to provide details of how they calculate their bank charges. Am I entitled to do this? Are Abbey legally obliged to provide me with this information?
Also, what else should I ask for? I've never been to court before and would appreciate anybody's advice.
Just received Abbey's Defence Letter. Advice please.
for about six months. Like many, I've been charged vast amounts of bank charges over the years. When this bank charges reclaiming business began to hit the news I decided to take action myself.
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