Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


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  1. #1
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    Default Maisielou v Barclays - SETTLED!!

    After reading all your posts i decided to "have a go" at getting my charges back
    I received all my statements last week ( they sent 8 years worth poor postie)
    today i have sent off my first letter........so far so good.......you will no doubt
    see me on here again for advice...hope thats ok ?

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  2. #2
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    Default Re: first letter sent

    Certainly is.

    Use the time wisely, keep reading the FAQ section until you know it inside-out.

    Any questions that you can't find the answer to will be dealt with as soon as possible.

    Good luck !!

    ..

    .

    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.



  3. #3
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    Default Re: first letter sent

    I have read the f&q so many times my head is spinning lol i know this question is more than likely there but if it comes to taking court action on a joint account do both names have to be put on the form..thanks


  4. #4
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    Default Re: first letter sent

    Haven't heard anything yet..but have opened another bank account........just incase they decide to close this one


  5. #5
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    Default Re: letter received today

    Hi
    I received this "standard" letter today
    Dear mrsxxxx
    Thank you for your letter received at this office on 4 may

    I am sorry you are unhappy with the charges you have incurred. your comments are receiving attention and one of my team will contact you as soon as possible.
    Please find enclosed a copy of our complaints leaflet,which explains how we deal with this matter.
    should you wish to discuss this matter further,please do not hesitate to contact us on 0207 116 4561


    yours sincerely




    Mike Brophy
    Enc complaints leaflet


  6. #6
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    Default Advice needed please

    Hi
    I sent my first letter off 10 days ago which Barclaysicon have replied to with the normal blah blah the trouble is after having another look through the statements i have noticed i left £300 off ??? :o :o is it ok to revise the amount when i send my letter before actionicon
    thanks


  7. #7
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    Default Re: Advice needed please

    Yes - at the end of the day they should know what they have charged you. Just make a note that the figure has been revised after recalculation.

    Alan, Derby, UK.



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  8. #8
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    Default Re: Advice needed please

    Thanks very much


  9. #9
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    Default Re: Advice needed please

    I know im thick but........Barclaysicon owe me £5997.77 and im just getting my letter before actionicon prepared what part of that do i add 8% interesticon to im really confused
    thanks


  10. #10
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    Default Re: Advice needed please

    Quote Originally Posted by maisielou
    I know im thick but........Barclaysicon owe me £5997.77 and im just getting my letter before actionicon prepared what part of that do i add 8% interesticon to im really confused
    thanks
    You need to keep your claim to below the 5k threshold to keep it in small claims...you might have to split it into 2 chunks

    Regarding the 8% use the Excel spreadsheet in the library and the 8% will be worked out for you...

    25/06/08 - NatWest - Prelim letter
    09/03/06 - Halifax - Settled 27/4
    22/03/06 - Capital One - Settled 24/6
    17/04/06 - Nationwide - Settled 8/9



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  11. #11
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    Default Re: Advice needed please

    ....the only trouble is for some reason the spreedsheet wont open ive tried all things?


  12. #12
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    Default Re: Advice needed please

    Do you have excel on your computer? If yes, then download another copy. There is a free alternative to excel if you don't have excel

    25/06/08 - NatWest - Prelim letter
    09/03/06 - Halifax - Settled 27/4
    22/03/06 - Capital One - Settled 24/6
    17/04/06 - Nationwide - Settled 8/9



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  13. #13
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    Default Re: Advice needed please

    Ive tried all sorts downloadied it again .but it still wont open???


  14. #14
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    Default Re: Advice needed please

    Quote Originally Posted by maisielou
    Ive tried all sorts downloadied it again .but it still wont open???
    You don't add the interesticon on until you put the claim in with the courts!
    Leave it out of all the letters.


  15. #15
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    Default Re: Advice needed please

    Right.ive now managed to open it.............but still cant make heads or tails of it?


  16. #16
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    Default Re: Advice needed please



    25/06/08 - NatWest - Prelim letter
    09/03/06 - Halifax - Settled 27/4
    22/03/06 - Capital One - Settled 24/6
    17/04/06 - Nationwide - Settled 8/9



    Hit the DONATE BUTTON and give 5% back to support this site!


  17. #17
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    Default Re: Advice needed please

    Thanks Bovvered..........by jove i think ive got it lol


  18. #18
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    Default Re: Advice needed please

    Right................i was just getting the excel spreadsheet sorted (incase it goes to court) but it wont add the 8% i must be doing something wrong??
    any ideas


  19. #19
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    Default Re: Advice needed please

    You may have deleated the formula. Download another and start again, but remember to remove the lines you don't use as it will add them on to your total.

    Good Luck


  20. #20
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    Default Re: Advice needed please

    hanks Missie...works perfect now



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