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 sent letter requesting charges back of £1260 on 25th January 2007 got a letter back within a week. Standard letter saying sorry your not happy with service etc etc, saying they would respond by 26th February 2007. Their 14 days were up last friday so sent letter saying they've got 7 days or I'll take them to court. Sent by recorded delivery post office said will be with them by 1pm today.
I sent letter requesting charges back of £1260 on 25th January 2007 got a letter back within a week. Standard letter saying sorry your not happy with service etc etc, saying they would respond by 26th February 2007. Their 14 days were up last friday so sent letter saying they've got 7 days or I'll take them to court. Sent by recorded delivery post office said will be with them by 1pm today.
Fingers crossed they will respond soon.
hi you really should have given them 14 days for the second letter as well, however you can always allow the extra week. Its best to stick to the step by step instryuctions these are linked in my signature.
thanks, i'll give them the extra time. I've just found this site, i got template letters from another site and used them, they say to give them 7 days.
It's all so confusing, i've read so much on this subject lately i don't whether i'm coming or going. Some of the info is conflicting.
thanks, i'll give them the extra time. I've just found this site, i got template letters from another site and used them, they say to give them 7 days.
It's all so confusing, i've read so much on this subject lately i don't whether i'm coming or going. Some of the info is conflicting.
thanks again
Ok Livelylad's top tip..... Trust this site
THIS SITE IS: a) the best b) uses the tried and tested methods. c) is copied by many, but never beaten. d) is always willing to help. e) is the leading cumsumer group.
i was just wondering because i only gave 7 days written notice will this make any difference when/if i get to court even though i'm giving them extra time.
i was just wondering because i only gave 7 days written notice will this make any difference when/if i get to court even though i'm giving them extra time.
Well i doubt that you would see the inside of a court.
However we do stick to the timetable just to be safe.
I've had yet another phone call today from Barclays about my overdraft, how do i intend to pay it back, they have withdrawn my overdraft. I have told them I have requested my charges back, they asked what date. They said ok but should be aware that they may take action against me to recover the amount, I informed them when they return unfair charges this will more than cover the overdraft and I can then close the account.
I'm going to phone tomorrow offering to pay £10.00 a month as good will gesture also shows I'm willing to pay it back. Also will leave me more money spare when they do pay up.
Was the withdrawl of your overdraft a surprise? I don't know how to say this without being personal. I am worried because I am overdrawn by over £2000 and have heard of Barclays requesting their overdraft back once you ask for the bank charges refunded. If this happens to me I will be completely stuffed as I dont have £2000 to spare! Also if this happens no doubt it will go against my credit rating which is not the best as it is!
Any advice or suggestion would enlighten me and be much appreciated.
Withdrawl of overdraft was not really a surprise, basically got annoyed with Barclays for all the charges and told them so on the phone. Told them i was removing all ingoing money ie child benefit, child tax credits (hubby's wages already going into FD account) months ago and i wanted to close the account, they said i couldn't do this until overdraft cleared but they did return account to basic so no more account fees. Just hoping barclays settle before hubby is made redundant end of may. Keeping fingers crossed.
How much are you claiming back from them? If it does not cover your overdraft then offer to pay it back at rate you can afford. Try setting up arrangement now if you can, it shows them your willing to pay it back.
Had a letter this morning confirming what they told me on the phone yesterday, overdraft been withdrawn, want my debit card and cheque book back. Fine by me.
One thing does concern me, when I do win can I request payment by cheque or will they automatically pay it into my Barclays account?
If they do later how do I get the money as I will have no card?
I got another letter today saying my account facilities have been cancelled, the next from them will be a Termination Notice. Termination Notice is legal notice demanding full repayment of the outstanding balance.
Also checked Royal Mail website they did indeed receive my lba on the 13th February 2007. So 14 days is up begining of next week so I will file with MCOL on 28th February (when we get paid).
I had a phone call from Barclays yesterday asking how I wish to pay back my overdraft, offered £10 a month was refused as it would not pay it off quickly enough, asked to increase offer said I was unable to as we have 5 kids to support and hubby is being made redundant soon.
They inform me will be senting a Termination Notice if I do not pay off quickly, told them as far as I was aware they could not take any action as my account is in dispute as I'm claiming charges back. I was asked details of this eg date's letters sent, amount claiming etc. Was then ok no more action will be taken on account until this matter is resolved.
This morning I get letter from Barclays TERMINATION NOTICE dated yesterday, saying they are within their rights to pass my account to debt recovery agencies and the banks intention to register details of the account with credit reference agencies.
Is this just scare tactics? I told them on the phone that I was filing MCOL on wednesday 28th Feb. I won't let them intimidate me I'm still filing on wednesday.
Pj, you are correct in saying they should cease actions where an account is in dispute but in mads own words
Told them i was removing all ingoing money ie child benefit, child tax credits (hubby's wages already going into FD account) months ago and i wanted to close the account,
They have basically said they have no intention of repaying the debt, which is prob why Barclays have taken this approach.
Obv if mad has the intention of paying off the debt with repaid charges etc then theres no worry about court action as the debt will be cleared before they have chane to recommence legal action [hopefully]
Mad.... doesnt really pay to pee them off, wait til you get your cash.THEN DO IT ..LOL
They have basically said they have no intention of repaying the debt, which is prob why Barclays have taken this approach.
dar3n,
I have offered to pay them £10.00 a month but they refused. I know not much but that's all we can afford at moment, my hubby had head-on car crash 18 months ago lost his job as a result because of injuries, got a new 3 weeks later and is now being made redundant again. Very tight budget especially as we have 5 kids.
They have basically said they have no intention of repaying the debt, which is prob why Barclays have taken this approach.
dar3n,
I have offered to pay them £10.00 a month but they refused. I know not much but that's all we can afford at moment, my hubby had head-on car crash 18 months ago lost his job as a result because of injuries, got a new 3 weeks later and is now being made redundant again. Very tight budget especially as we have 5 kids.
hang on maddy, Im not having a dig at you, I realise you have offered a payment program, I was on about your answer to THEM which they took as being an act of aggression. Im totally on your side, I would do exactly the same, if the DEMAND money, they can sing for it..
Please dont think I was having a go at you... not at all
Sorry, I didn't think you having a dig at me, our whole situation at moment is getting us down, seem to be going round in circles with Barclays. Left hand doesn't know what right hand is doing, if you know what I mean.
Should I phone or write to decline offer? Which way is best for court MCOL or N1 at local court?
madhouse5 v barclays***WON***
Reply With Quote
Originally Posted by madhouse5
I think I'll turn it down and proceed to court.
