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 would use the address of where you sent your first letter to, and hopefully this is local to you. If they wish to shuffle letters internally that is up to them.
The benefit of staying local is that you would not have far to travel to court in the unlikely event they did not settle beforehand.
Good luck, and keep us posted.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
I'm not sure that you can use PO boxes on a claim, because there would not be a person to receive it when it is issued - it might be better to use the head office after all.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
I would use whichever office/address you usually use to correspond with them, just so long as this is not a PO Box address. The claim will need to be issued to a 'real' person in a 'real' building.
If the registered office fits this bill, then use that address.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
P.s. I am assuming then using MoneyClaim, i would be serving a claim against an Individual?
Not at all - you are issuing the claim against the bank/card issuer. It would be okay to put 'The Manager' or similar in the defendant's details, but this is only because they are a representative of the bank. Naming an individual could cause problems, but there is no harm in asking her where official documents would need to be served.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
That's the best address to use then. I would put 'Beneficial Bank Ltd/Plc?' as the defendant, and avoid putting any named person/position on the form.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Cheers Spiceskull, you've been much help. At least at MBNA i have names and addresses to send to. With Beneficial it's like i'm dealing with a metal box that collects the letters i send and shreds them!
I have to say I agree. I was getting frustrated for a while, then searched the forums for an address for Beneficial and realised that they were very slippery indeed.
If that address proves to be correct, or if you find a more suitable address, can you please PM me with the details so that we can put it into the 'contacts' sections? Cheers.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Well seems the ******* have responded. Just looked at the Money Claim website and it appears my claim for judgement has been rejected because Beneficial have acknowledged the claim.
So it says they have 28 days from when they are served the claim to reply. Has anyone got to this stage with them?
I guess that gives them until Monday 12th June to reply. I go on holiday on 16th so something had better happen soon!!!
If they send in their defence, you should get your allocation questionaire just before you go on holiday, so with any luck you'll be able to get it off to the court in time.
If not it may be worth having a word with your local court nearer the time.
Beneficial Bank
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Originally Posted by jamesdryan
