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)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
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  1. 15th March 2007 15:18 #1
    Polly2007 Polly2007 is offline
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    Default Woolwich !barclays! say no more

    they owe me £1150 in charges, got an offer letter yesterday of £500. I've declined the offer and sent a copy of the N1 form to them along with photocopies of highlighted statements with new recent charges. I haven't filed yet as not sure if they may come back with another offer now I've declined the £500. Anyone throw any light on what happens next or what I should do?

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  2. 15th March 2007 16:27 #2
    essjaysea essjaysea is offline
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    Default Re: Woolwich !barclays! say no more

    I should go ahead and file; they dont usually up their offer until they finally settle prior to the court hearing date

    Preliminary Letter sent to Woolwich 05/06
    LBA sent 19/06
    Court claim filed 04/07 : Total £824.75
    Acknowledgement of Service 27/07
    Defence received 08/08
    AQ filed 11/08
    Barclays AQ filed 05/09
    Hearing date 20/12
    SETTLED IN FULL £840.49: 14/12/06
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  3. 15th March 2007 16:31 #3
    Mumofthreeboys
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    Default Re: Woolwich !barclays! say no more

    Quote Originally Posted by Polly2007 View Post
    they owe me £1150 in charges, got an offer letter yesterday of £500. I've declined the offer and sent a copy of the N1 form to them along with photocopies of highlighted statements with new recent charges. I haven't filed yet as not sure if they may come back with another offer now I've declined the £500. Anyone throw any light on what happens next or what I should do?
    I should think they will withdraw the offer, they did with me.

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  4. 10th May 2007 08:04 #4
    Delboy01 Delboy01 is offline
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    Default Re: Woolwich !barclays! say no more

    BTW Polly, on another thread you said woolies were passing your account to a DCAicon Write to the woolies or if the DCA already has written to you send the DCA the letter. But do send it ok?

    I sent this :- obviously adapt it for your purpose. it will get your account put on hold....

    Re: Account in dispute

    I am writing to clarify that I am currently in the process of requesting a refund of bank charges unlawfully made to my account. I have estimated that the unlawful charges you have imposed on my account far exceed my current overdrafticon..

    I am therefore informing you that I am disputing the sum owed and, as such, you must refrain from any further action until this dispute is fully resolved.
    I CAN CONFIRM THAT I SHALL BRING MY ACCOUNT INTO ORDER WTHIN 14 DAYS OF THIS DISPUTE BEING RESOLVED AND WOULD BE GRATEFUL IF YOU WOULD CONFIRM ACKNOWLEDGEMENT OF THIS POINT IN YOUR IMMEDIATE REPLY.
    I CAN ALSO CONFIRM I SHALL ENCLOSE A COPY OF THIS LETTER WITH THE DOCUMENTS I SHALL BE SENDING TO THE COURT IN RESPECT OF THE BANK CHARGES MADE TO MY ACCOUNT, ALONG WITH THE ENCLOSED LETTER INDICATING THAT IT IS SOLEY THESE TYPE OF CHARGES LEVIED BY YOURSELVES THAT HAVE CAUSED MY ACCOUNT TO EXCEED MY OVERDRAFT.

    If you do proceed by issuing a Default Notice or processing any adverse data /comments on my credit reference files, I shall be forced to take legal action against you under the Data Protection Act 1998.Also the Woolwich would be in danger of breaking Section 13.6 of the Banking Codeicon, where it states that “a financial institution may only pass on details of debts to the Credit Reference Agencies IF THE DEBTS ARE NOT IN DISPUTE!!
    Should you require confirmation that this account is in disputeicon, please do not hesitate to contact :-
    Head Office, Barclaysicon Bank PLC, 1 Churchill Place, London E145HP


    DELBOY

    www.bellyup4blues.com Just Go There !!!

    Woolwich Prelim Sent 5.12.2006 !!!
    S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)
    16.1.2007 £1000 offer rejected
    LBA sent 31.1.2007
    N1 presented to Court 15.2.2007
    Won / Settled 2 days before court date
    £5200 plus int charges returned.

    All and Leics S.A.R - (Subject Access Request) sent 22.12.2006
    2nd S.A.R - (Subject Access Request) sent 15.1.2007
    Statements received
    Prelim sent 31.1.2007
    LBA Sent 15.2.2007
    Won £1500 on receiving court date..
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE