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.
Ha anyone actually had to stand up in court against the banks?
It seems some claims are dealt with very quickly yet others are dragged as far as pocssible.Has anyone actually had to go through the full court process with the banks turning up?
Im getting concerend now that they are going to take me all the way
Offer recieved but money will paid into account under CMS control. advice needed
Ive just been offered a settlement on my claim oddly £77.00 below what I was claiming but Im happy with it. My big problem is that the money will be paid into an account that I will not be able to access as because of all the charges issued previously. I think the company is called CMS and once the account is with them then RBOS cannot authorise anything without their consent.
Would I be able to set up another account within RBOS and ask for my money to paid into that account? Any other ideas anyone?
Re: Offer recieved but money will paid into account under CMS control. advice needed
wll Ive talked to Credit Management services (CMS) and they say the offer of setlement will be paid into the account and will pay off existing debts( a personal loan taken out solely to pay the bank charges!) Once cleared the account is closed and I will have to make 'alternative banking arragements'
Does anyone know of settlements being paid as a cheque or into alternative accounts?
Re: Offer recieved but money will paid into account under CMS control. advice needed
Originally Posted by mbdiss
if you want it paid by cheque you need to inform them off this. but surly clearning your debt is a good thing? is your settlement more than the debt?
I agree but I would like to clear the debt ( a personal loan) in a organised,month by month way. I have had no bank account for past year while this has been going on and need the money to clear more urgent debts.
Has anyone been paid by cheque at all?
Hi
yes i was sent a cheque from Cobbetts last week, it was made payable to myself into bank account No *******, which means i can only pay the cheque into my RBS account that generated all the charges. Have you been refunded by cheque
Hi
yes i was sent a cheque from Cobbetts last week, it was made payable to myself into bank account No *******, which means i can only pay the cheque into my RBS account that generated all the charges. Have you been refunded by cheque
No just an offer to pay into a CMS controled account.Why should I be dictated by them where MY money goes? The debt was solely driven by charges and the account kept from the courts by paying in money from other accounts( very often loans from mates!)
Pardon my naivity but does it matter whether it gets paid into your account or cheque as if it's paid into your account, can't you just withdraw and put into your chosen account?
Actually, I've just thought about it and of course you will not benefit if you have an overdraft and you don't want them to refund your money in case it swallows the overdraft and they may well close your overdraft for you. OK, I get it now.
Like the previous thread said though. Even if you go for court action, when you do get a cheque from Cobbetts it is stipulated to pay you but into your bank account number *******
Like the previous thread said though. Even if you go for court action, when you do get a cheque from Cobbetts it is stipulated to pay you but into your bank account number *******
My plan now is to go to court to specifically ask for the cheque to be paid to me with no stipualtion which account it is paid into.
After all I wouldnt have been overdrawn and had to take a loan out,been threatened with court action if it wasnt for illegal charges.
Re: Offer recieved but money will paid into account under CMS control. advice needed
I was under the impression that if you requested payment by cheque to you, then this was ok ? - If you have a parachute account then you should by able to pay this into there right? - Please correct me if I am wrong?
01.08.06 - Alliance @ Leicester Credit Card - S.A.R sent
03.09.06 - £495 owed - Alliance and Leicester sent cheque for £130 - Accepted as partial payment
03.09.06 Alliance & Leicester - LBA letter sent to recover remainder
Re: Offer recieved but money will paid into account under CMS control. advice needed
Originally Posted by flyboy80
I was under the impression that if you requested payment by cheque to you, then this was ok ? - If you have a parachute account then you should by able to pay this into there right? - Please correct me if I am wrong?
No apparently they pay it to you but it stipulates which bank account it gets paid into ie the one with the loan or overdraft and obviously thiers!
Re: Offer recieved but money will paid into account under CMS control. advice needed
If you have outstanding debt with the company your claiming from then they generally have a right to offset monies against that debt.
If your in an IVA or formal dmp then you have a right to ask for the money in a cheque and go to court to get it. However, the purpose of getting the cheque is not to buy new shoes etc, but so you can distribute your windfall pro rata to all your creditors.
I have been paid by cheque for all of mine but then all my accounts are closed. I don't think many people if any, have been paid by cheque where they have a debt with the bank.
Probably no help but i think this about right, finally if you insist on a cheque and they refuse you have to decide if you would go to court over the method of payment?
HTH
Glenn
Kick the shAbbey Habit
Where were you? Next time please
Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless
Abbey 2nd claim, two Accs - claim issued 30-03-07 Barclaycard - Settled cheque received
Egg 2 accounts ID sent 29/07 Co-op Claim issued 30-03-07
GE Capital (Store Cards) ICO says theyve been naughty
MBNA - Settled in Full
GE Capital (1st National) Settled
Lombard Bank - SAR sent 16.02.07
MBNA are not your friends, they will settle but you need to make sure its on your terms -read here Glenn Vs MBNA
Ha anyone actually had to stand up in court against the banks?
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Originally Posted by mbdiss
and Good luck!
