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.
We can't wait to hear what it is - but I expect that we all know.
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
I had all my statements so didnt have to do any requesting under DPA. By looking through some other messages people get the same letter sent back to them. At the end of the day im more than happy to invest £100 or so in court fees if it gives me a good chance to get £1500 back.
I am about to send the 14 days before action letter for my girlfriends account however she has a overdraft of £1000 thats at the limit. She is asking for £695 back so should she wait untill she has cleared all the OD or put £305 into the bank to bring the OD to £695 or just send the letter now. If we tried we could clear it in about a month.
Just got the standard "computer says no" letter and to read the terms and conditions leaflet enclosed. So on Monday I will be sending in the small claims form and we will see what happens from there.
Hi im in the process of filling in the small claims form to be posted in (Northern Ireland Court service). I have just about managed to fit in all the info and charges but I read that if I have other information i.e letters receipts etc that I should include them. So should I enclose copies of all my bank statements that have charges on them? probabley about 20 of them.
best thig is to enter them into a spreadsheet and then send a printout of that
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
I have managed to get all the info from the spreadsheet onto the form, Date, days since, interest etc. But im just thinking, what if it goes to court and the judge says show me proof. According to the small claims guide "You may have documents which suport your clam and which you intend to use to prove your case. You MUST submit copies of these with your application form."
Just got a letter through saying that Halifax are paying me the full amount (£1401.00 in fees, 279.52 interest and £62 court fees). I had done the "letter before action", receied the standard reply saying no. I then put a small claim in with the Northern Ireland Courts, they had untill the 14th April to reply.
The letter says they are paying it as it will cost Halifax money to defend it and it would be unlikley they would get these costs back. It also says that if I incur any further charges my account will be closed in 30 days.
Were now going to start action on all the other accounts.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.
Well done! Thats great. How satisfying does it feel? I can't wait.
Halifax - LBA sent 12/05/06 for £1,232
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Brilliant news! It looks like we'll all get the same reaction, letter of intention to defend - followed by letter to say, "Oh alright then, here you go, but don't make us do it again, or we'll close your account!!!"
Remember to go to the link for claims settled, so we can all see how much has been paid out.
Well done!
Halifax claim filed 25/4/06 £1887.09 - SETTLED 17/5/06
Halifax 2nd claim filed for £305.15 on 14.5.06 - SETTLED 25/5/05
Halifax at it again! £28 charge made 31.5.06. Prelim 7.6.06!!
GE Money - prelim sent 7.6.06 - £63.00 Mr ChipsandSausages
Natwest DPA sent 18th May 2006 - statements rec'd 7.6.06
Don't forget our book tokens contributions to help others, now you're getting all that dosh back (yes, I know I'm shameless, it's one of my most endearing qualities ).
Congrats again.
Apologies to people who I was in the process of helping, I may be gone some time.
Just sent a new lba letter for my girlfriends account £750 in fees plus £35.46 interest. I had mine setteled yesterday (£1742.52) so we shall see if this one takes the same path.
LBA email sent 26/04/2006 - Claiming £1073
Offer of £201 on 13/05/06
Offer refused on 15/05/06
Offer of £692 offered on 15/05/06
Offer refused on 18/05/06
Offer of £850 on 18/05/06
Offer accepted.
Just Sent Letter Before Action
yesterday Special Delivery. I am owed £1323.00 in charges and £275.66 in interest
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Re: Halifax Just Paid Up
Re: Halifax Just Paid Up
(yes, I know I'm shameless, it's one of my most endearing qualities 
).
Originally Posted by BBB