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.
In 'general' look for 'bank templates library'. You will find all letters there for the whole process. Have a break every now and again. This comes under the heading 'do as I say, not as I do'.
If my advice has been helpful tip the scales
West brom SETTLED
Halifax current SETTLED IN FULL
halifax curent (2nd) stayed. Visa - SETTLED
2nd visa LBA sent
halifax for the 3rd time. LBA sent
Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice
Sainsbury's - Awaiting court date
Co-op cc SETTLED IN FULL 2nd claim. Settled in full
National Westminster Settled in full. 2nd claim. N1 submitted
HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL
Well, well,
A complete transaction history has been delivered, and the S.A.R cheque returned.
I cant get home to look at it until Monday, when I do I will add up all the overlimit fees and penalty charges.
I understand I can claim 8% at the Court stage, what else can I get back?
Can I get the default removed because part of the amount defaulted comprises of unlawful fees?
Glennyboy
It's mine and I want it back!!!!!!
Egg * Settled in full*
Morgan Stanley* Settled in full*
M.B.N.A *settled in full*
Abbey-Goodwill gesture-to court
Barclaycard-goodwill gesture-to court
Goldfish-s.a.r sent-completely ignored
Same here. Trouble with me was I used to spend money NOT make it. Where you the same? This could be one reason for incurring bank charges although if you incur charges you want to feel better,so you spend money you haven't got on e-bay 'cos you've got charges coming out, you go over your limit so............. (In theory anyway.)
Glad you're enjoying yourself, Sally
If my advice has been helpful tip the scales
West brom SETTLED
Halifax current SETTLED IN FULL
halifax curent (2nd) stayed. Visa - SETTLED
2nd visa LBA sent
halifax for the 3rd time. LBA sent
Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice
Sainsbury's - Awaiting court date
Co-op cc SETTLED IN FULL 2nd claim. Settled in full
National Westminster Settled in full. 2nd claim. N1 submitted
HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL
Somebody could put out a new game with dice like Monopoly, called
Beat the Credit Card
With Lloyds TSB situated at Euston Road, the Abbey at Piccadilly, the Alliance and Leicester at Leicester Square, Coutts at Mayfair. If any bank fails to deliver statments and agreements on request, then
Well it looks like Egg are playing silly buggers now.
Have sent off my letter before action requesting my charges back. In the mean time I CCA'd Capquest because they were hassling me, even though I was paying £75 a month by agreement. They have put the account on hold while dealing with this.
Fair enough so far.
Now I have been contacted by a DCA called Fredrickson International demanding payment in full of £6542.00p!!
Contacted Capquest and they said the debt was passed back to Egg , and couldnt give an explanation.
Now I am worried. I thought I had a grip on this. Shall I CCA Fredrickson now??
Glennyboy
It's mine and I want it back!!!!!!
Egg * Settled in full*
Morgan Stanley* Settled in full*
M.B.N.A *settled in full*
Abbey-Goodwill gesture-to court
Barclaycard-goodwill gesture-to court
Goldfish-s.a.r sent-completely ignored
Egg is evidently putting on the frighteners, so you offer to withdraw your claim as they pull back the dogs.
Assuming you have already been served Default Notice, the worst that can happen is that somebody threatens to call at the door. But such a person is circumscribed by law how much nuisance they can kick up, OTHERWISE.....
I cannot see how they can threaten CCJ. To get that they have to see you in court, where you can dispute the balance owing, i.e. get a court ruling on the unlawfulness of charges. Egg will run from court faster than Linford Christie. You will also produce in court, evidence that Dublin banks charge £3, Egg charged £20, then £16.
If you write back to say you welcome clarifying the legal position in court, as described above. Plus you will be contacting Financial Ombudsman and OFT, should they wish to retaliate and victimise a reclaimant seeking lawful redress.
If you show you know your stuff, they run. In the meantime you of course will carry on paying your agreed monthly instalment. They have to produce a credible explanation to their regulators, why the sudden going back on a previously agreed payments arrangment, which you have honoured.
Thanks for your help. They got me a bit rattled there for a bit. I have CCA'd Fredericksons. I have heard they may be a little bit economical with the truth. I have also set up a regular payment to Egg. When I accessed my account online, all my payments to Capquest were shown, so I thought I would cut out the middle man!
If it gets to court I will take your advice, and I have the regular payments to show I am not shirking the debt.
Onwards and upwards.
Glennyboy
It's mine and I want it back!!!!!!
Egg * Settled in full*
Morgan Stanley* Settled in full*
M.B.N.A *settled in full*
Abbey-Goodwill gesture-to court
Barclaycard-goodwill gesture-to court
Goldfish-s.a.r sent-completely ignored
Glennyboy v Egg
.I know they owe me big time!!
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