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.
My hubbie is useless with money and frequently forgets we are broke. Most months for the past three years he has exceeded the OD limit and we have been charged £25 for the priveledge. He's now been made redundant so we could do with them stopping this. I issued the SAR weeks ago and am counting the days but can we stop them adding another £25 every month?
I had the same problem, i moved banks and this stopped them doing this. I did write to them asking them to freeze the interest and charges but they refused. I would personally move banks and continue with your claim from there.
My advice is only my opinion, I am not a legal expert.
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Re: Has anybody actually got to court with cahoot?
I am on the virge of settling at the allocation questionaire stage. I don't think cahoot have ever actually turned up at court to defend, normally they settle a few days before court.
Cahoot
Prelim sent 2nd Aug 2006 - usual "if your not happy then sod off" reply.
LBA sent 25th Aug 2006 - another "if your not happy then sod off" and an offer to refund £130, accepted as partial settlement, used to pay for MCOL
MCOL filed on 15th Sept 2006.
Acknoledged 26th Sept 2006
Defended 12th Oct 2006 in a letter to me but not to the courts
Started judgement by default on 30th Oct 2006
Barclaycard
Citibank
Halifax sent S.A.R - (Subject Access Request) on 09/10/06 nothing back yet
Capital one
etc..........watch out here I come.
thanks. i'm about to start with a cahoot credit card.
i sent my prelimary letter to cahoot, and they wrote back this was their final response. i sent the lba to Abbey (as instructed by cahoot) but i have not received a reply yet?
cahoot told me to use the friars house addy so I put that on my lba and MCOL, they asked me to make a 2nd stage complaint to Abbey but I'm not bothering going down their complaints route that's just wasting time, I'm sticking to my deadlines!
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.
BTW I have your court claim number and the date you claimed for the Litigation in Progress section, but need the amount too if you could let me know please.
Thanks
Could you also keep all your progress in this thread now as it makes it easier to follow your progress and help out if you need it.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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 have now received a 'standard order for stay for settlement with consent of all the parties' giving a stay until 16th April - what do I do next??? There doesn't seem to be much point in trying to settle further as Abbey have ignored me so far (I've not consented??)
I've not received a copy of Abbeys aq either so don't know if they requested a stay or if it was the judge's idea
I suggest that you phone the court and ask for a copy of the aq, and write to the bank offering to settle. You could suggest that you are willing to reduce your claim by the actual cost to the bank of each item on your schedule, although you will require a Breakdown showing their actual costs, before doing so.
I'm fairly sure they won't take you up on your offer, but you will have complied with the court order by trying to settle which will look good should you ever have to go to court. You never know the bank may even decide to just pay up sooner rather than later when they see you are serious, if they didn't think taking out a court claim proved that anyway.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.
Charges continue
so we could do with them stopping this. I issued the SAR
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Re: Charges continue
