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 am negotiating this on behalf of my son. Free statements delivered in 5 days.The deadline for response to court order is this week. No response to initial letter until I sent a copy recorded. They have taken almost 3k in 4 years and I would be delighted to get it back for him.
Good luck with yours and many thanks (whatever the outcome) to Dave & Co for the hours they must have put in to this.
I am negotiating this on behalf of my son. Free statements delivered in 5 days.The deadline for response to court order is this week. No response to initial letter until I sent a copy recorded. They have taken almost 3k in 4 years and I would be delighted to get it back for him.
Good luck with yours and many thanks (whatever the outcome) to Dave & Co for the hours they must have put in to this.
Quietly confident
Glad to hear it. But you're hijacking someone else's thread, and as posts build up, so will the confusion. So please start your own thread and post your updates and questions there. Thanks.
Apologies to people who I was in the process of helping, I may be gone some time.
Received a notification letter today from the Customer Care Team.....
First of all they were thanked me for my letter, and then advised me that they have also requested 6 years worth of statements and would contact me by the 18th May 2006 to provide me with either a full response or further update of my investigation.
"We believe that our charges are fair.... blah blah blah..."
"However, we have taken the opportunity to review the charges applied to your account, and as an exceptional matter we are prepared to refund £245.00 as a gesture of goodwill.. blah blah blah."
".....and strictly on the basis that you agree not to disclose to any third party the fact, or any details relating to, this payment"
"If you agree to accept my offer on this basis, please sign and return the copy of this letter...blah blah blah"
Taken from 3.3 of the Step by Step Guide
3.) you will be offered a partial refund (accept this but sign nothing - the money is yours - note we are not claiming for the extra interest incurred on overdrafts - this more than covers their costs, so don't start to feel sorry for them.) You will probably receive a letter offering a full refund next.
How can I accept this offer without signing, as they state that I must sign the form to accep it ??
An offer of £245 is a nice offer considering im completely skint at present but I'm still willing to go all the way, for the extra 2K!!!!
You could say in your lba letter (which is what I did) that you accept their partial offer of £xx.xx on the understanding that if they don't pay the remaining amount by (the end of your LBA deadline) then you will pursue them for the balance through the small claims court.
Expect them to then withdraw the offer and direct you to the Banking Ombudsman
You most certainly do - and the best of luck to you !
(Woohoooo, my 1,000th post ..........)
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
Received a letter today advising that they are sticking to their guns, as the charges applied were due to a "lack of funds in the account" but their good will offer of £xxx.xx still stands.
"I have alerted our lawyers and litigation department to your proposed action"
Guess its time to fill out the money claim form ready for the 05/07/06.........
good luck, I am going to request my statements tomorrow - can't wait I have been arguing with them for a while now about the way they charge. One operator's statement to me was and I quote: 'computers don't have any common sense' - that really says it all doesn't it. A question for anyone: If I have an overdraft with them which I am paying back at an agreed sum each month and they want to close the account if they demand the o/d back and I can't pay it what happens then?
melaniecomp - please start your own thread for questions.
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
Nailbiting stuff! Avidly watching. I still have not had my statments yet as sent off DPA request 06/06/06 recorded and it seems to have been 'lost' so think will take your approach and just blumin well phone them!
GOOD LUCK
NatWest
Offer accepted - 24/07/06 - £615
----------------------------------------------- Cap One
Prelim - 22/08/06
LBA sent - 06/09/06
MCOL issued 06/10/06 Served 11/10/06. Acknowledged - Deadline 25/10/06
Offer of full settlement via personal cheque accepted £269. Wait 14 days in post for cheque from - 07/11/06
Hit the DONATE BUTTON and give 5% back to support this site! And don't forget the survey
Yes, what next - I'm running out of nails........
Not far behind you and getting same treatment. I take it you didn't accept pultry offer? Am in same position and am hoping they will pay me something very soon as an offer of good will to get me out of a fix - ie pay my car tax!
Good luck Mr Author
NatWest
Offer accepted - 24/07/06 - £615
----------------------------------------------- Cap One
Prelim - 22/08/06
LBA sent - 06/09/06
MCOL issued 06/10/06 Served 11/10/06. Acknowledged - Deadline 25/10/06
Offer of full settlement via personal cheque accepted £269. Wait 14 days in post for cheque from - 07/11/06
Hit the DONATE BUTTON and give 5% back to support this site! And don't forget the survey
theauth0r v NatWest ***SETTLED IN FULL***
worth of statements from CS on 27/04/2006 for a fee of £5
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Re: ME vs THEM
Originally Posted by sue glenton
Re: ME vs THEM