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.
Halifax - £2500
Legal & Trade - Webt to courtfor Breach CCA, Complained to OFT they ruled in my favour, So did court, 2k written off.
NatWest - Contactual Interest - Won
Nov 1 2006 Preliminary letter 21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!
Read all about it: natwesttookmymoney - v- NatWest
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
Halifax - £2500
Legal & Trade - Webt to courtfor Breach CCA, Complained to OFT they ruled in my favour, So did court, 2k written off.
NatWest - Contactual Interest - Won
Nov 1 2006 Preliminary letter 21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!
Read all about it: natwesttookmymoney - v- NatWest
if you don't mind me asking, what was the argument put forward in the POC? mutuality & reciprocity? and was it interest NW had charged on the charges, or interest added to the claim in place of s.69 interest?
Halifax - £2500
Legal & Trade - Webt to courtfor Breach CCA, Complained to OFT they ruled in my favour, So did court, 2k written off.
NatWest - Contactual Interest - Won
Halifax - £2500
Legal & Trade - Webt to courtfor Breach CCA, Complained to OFT they ruled in my favour, So did court, 2k written off.
NatWest - Contactual Interest - Won
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
Cankster ,
Brilliant answer to their defense. On their "Advice of debit interest for the period," which is an advice of their charges per quarter. It quite clearly states their "Current basis of interest calculation. " Borrowing upto overdraft limit 5.75% above base, and borrowing over overdraft limit (unauthorised ) 29.05% What i am trying to get at isthat you should be able to reclaim your contractual interest on your disputed charges,
because if their" penalty "charges are unenforcable, the interest attached to each charge must surely be refundable I hope that makes sense.
Your wording looks like a template in waiting to me! I believe that we should all be claiming contractual interest as a matter of course - NW paid 29.7% in my daughter's claim (settled in January). The wording I prepared for her wasn't anything like as comprehensive as yours though!
I'm going to c+p your words and save them in case any of the people I know currently claiming (1 friend + 3 work colleagues) need them.
It looks as if NW have retreated from the "not paying charges" position as untenable and have realised that their new "barricade" to defend is contractual interest. Their greed over the years could mean that they'll have to pay back a lot more than they've taken from us in the first place - boo hoo hoo!!
makes me feel a lot better about my case given Natwest said they'd settle less costs less (statutory) interest.
if they're settling contractual interest cases too makes me wish i'd charged that. guess its too late but still makes me feel more secure in my own case.
The Consumer Forums
In court thursday - contractrual **WON**
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Originally Posted by cankster
I hope that makes sense.