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.
Ihave got to the stage of issuing proceedings against Abbey. They have acknowledged Service but then another department in London has written to me stating they are aware my information has gone to their Complaints Dept and they do not have access to that information. They then go on to request my account number, details of the calculation of the claim and how the interested is calculated. They wish me to respond asap so they can file their Defence.
Am I obliged to respond to this letter? They do not state why they can't get access to the information that their Complaints people have. (Can't they ring them or write to them or email them?)
Can I just sit on it until it is time to request a Judgment?
SAdly you have a duty to act in good faith and in truth although the banks dont show much inthis context its best to be helpful and courteous when engagin in litigation.
I would just sned them a copy of the claim and schedule of charges and leave it at that.
JMHO
Glenn
Kick the shAbbey Habit
Where were you? Next time please
Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless
Abbey 2nd claim, two Accs - claim issued 30-03-07 Barclaycard - Settled cheque received
Egg 2 accounts ID sent 29/07 Co-op Claim issued 30-03-07
GE Capital (Store Cards) ICO says theyve been naughty
MBNA - Settled in Full
GE Capital (1st National) Settled
Lombard Bank - SAR sent 16.02.07
MBNA are not your friends, they will settle but you need to make sure its on your terms -read here Glenn Vs MBNA
Thanks. I have followed your advice and posted those today. They also requested my email & telephone details. I have provided those also but are they likely to contact me personally in that manner?
Has anyone else been approached by those routes?
I hope they will settle on this. I am more than a bit nervous about it going to a Hearing.
For future reference you dont have to provide any details you dont want to.
If you dont want to deal with them via email or telephone write to them withdrawing consent for themn t contact you in this way.
HTH
Glenn
Kick the shAbbey Habit
Where were you? Next time please
Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless
Abbey 2nd claim, two Accs - claim issued 30-03-07 Barclaycard - Settled cheque received
Egg 2 accounts ID sent 29/07 Co-op Claim issued 30-03-07
GE Capital (Store Cards) ICO says theyve been naughty
MBNA - Settled in Full
GE Capital (1st National) Settled
Lombard Bank - SAR sent 16.02.07
MBNA are not your friends, they will settle but you need to make sure its on your terms -read here Glenn Vs MBNA
O'Sullivan -v- Abbey
. They have acknowledged Service but then another department in London has written to me stating they are aware my information has gone to their Complaints Dept and they do not have access to that information. They then go on to request my account number, details of the calculation of the claim and how the interested is calculated. They wish me to respond asap so they can file their Defence.
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