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.
Well finally started getting round to starting the claim process, just about to send of my preliminary letter to RBS with a schedule of the charges that i'm claiming. Total i'm claiming is £736.00 from Feb 2003 - Nov 2005.
I will be claiming in Scotland so I have a £750 limit to go through small claims court, I'll look at claiming the rest of the charges back if this is successful.
Not heard anything back at all - thought i may have had a letter saying that they recieved mine - was sent recorded delivery so i know the did recieve it - well i'll get a lba letter posted on Monday
Well i'll be off home for lunch in under an hour to check if postie has brought me anything from RBS which I doubt. If not its off to the P.O after lunch to send my lba recorded delivery.
lba sent recorded delivery on 26th Feb. Recieved a phone call at work from a girl from my local branch today saying that an offer of what i was asking for had been posted out to me, if I don't recieve it by Tuesday I'm to give her a call.
Well hopefully they'll settle before court to save me running around doing more work. If I get a successful settlement i'll go after the rest of the charges from then when this has completed (i.e The funds are in my hand).
If I were you try to avoid telephone contact - it's far easier for them to go back on their word. Insist they put everything in writing so you have proof.
If my post has been useful, tip my scales and let me know
I'm just intrested in what they say - won't give them any extra time for promises made on the phone, unless the offer is in black and white i'll proceed to the next stage on the time scale that I gave them
Well spoke to Sandy Watt today, not sure why but I thought Sandy was a guy was a bit thrown when she introduced herself as Sandy Watt, looks like she's gonna offer me the full amount - Offer in the post - all I need to do is sign and return (or in my case write my own acceptance letter on MY terms). Hopefully shouldn't be long till this ones settled then on to the next set
OK, sen't my own letter of acceptance last night - in their pre-paid 2nd class envelope - making £9.2bn you'd think they could afford 1st class for their reply envelopes.
Now all I have to do is wait for it being credited, then i'll fill in my survey, make a donation and then start all over again for the next set.
Where did you send your lba to? I sen't mine to my branch - so I think they may have been chasing up Sandy Watt to get it resolved, I got a phone call at work from my branch the day they recieved my LBA and I know that the lady I had spoke to had contacted the Customer Relations Unit to chase it up and find out what was happening. I'm guessing thats why I had such a prompt response.
I sent my lba to the Customer relations freepost address (although i paid for recorded delivery!), i also filled out an online complaint form to catch extra attention to my claim
I know they received my letter as its been signed for, its just a case of waiting now
Brian vs Royal Bank of Scotland
with a schedule of the charges that i'm claiming. Total i'm claiming is £736.00 from Feb 2003 - Nov 2005.
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