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.
hi iv just been verbally offered a settlement by nat west for the full amount of my claim less the interest.
the problem is i have a loan a/c with them which is in collections although the reduced payments agreed are up to date.they say my repayment will be offset against this.
now i need this money so can i still issue the small claim as i havent had the offer in writing.- they say it will be three weeks till i get this.
the time scale i gave them is up tomorrow
any advice as what i should do?
if if wasnt for this i would accept but i beleive once i issue a claim any repayment comes to me in a cheque
thanks all
Not necessarily so. And the fact remains that if they come back to you offering your full charges returned in full, but without interest, YOU HAVE TO ACCEPT. Im sorry, I know its not the answer you wanted, but if their offer is for full charges, nothing short at all, then you do have to accept. No court would look favourably upon anybody pursuing the 8% interest if they had been offered the full charges back. Im sorry. Perhaps if you wanted to PM a mod on here they might offer something a bit more detailed as to why, but it would be somewhat foolhardy to pursue interest on this when you have been offered RETURN OF ALL FULL CHARGES. All the best, whatever you decide. Fendy xxxx
NATWEST BANK CLAIM - £16,100.00 WON
ABBEY BANK - £5500.00 WON
CAPITAL ONE VISA - £1800.00 WON
HUBBYS CAPITAL ONE VISA £2012.00 WON
TOTAL WON TO DATE: £25,400
************************* ************************
NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING
ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING
YORKSHIRE BANK - AT SAR STATUS
HALIFAX CREDIT CARD - AT SAR STATUS
PLENTY MORE TO START LATER.
STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.
STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT DUE TO WHAT LIFE DOES TO YOU.
thanks for answer but what i meant was could i pursue claim as i have only had verbal offer or does that count the same as an offer letter.
the time limit i set in my 2nd letter expired yesterday so if i hadnt called them i would have gone ahead anyway. wish i hadnt now
Lol. Know what you mean. Technically, yes you can start claim if you have not received anything in writing to say they are offering full charges, but to be honest, I think its a close call. What if they argue to court that on XXX date they offered you charges in full, and you accepted. I know its not charges in writing, but it still might not look that good for you. Why dont you do a letter to them today or tomorrow, and fax it through saying unless they put it in writing to you in 3 days then you will be starting claim for charges plus interest. That way in court you have covered yourself. i.e. they offered charges back verbally but as letter was not forthcoming in the timescale given to them in writing, you had no choice but to file claim. Anything you send, make sure if its faxed you keep the fax confirmation or if its posted, you keep recorded delivery slip. Thats your proof that you told them you wanted it in writing. All the best. Whatever you decide. Fendy xxxx
NATWEST BANK CLAIM - £16,100.00 WON
ABBEY BANK - £5500.00 WON
CAPITAL ONE VISA - £1800.00 WON
HUBBYS CAPITAL ONE VISA £2012.00 WON
TOTAL WON TO DATE: £25,400
************************* ************************
NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING
ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING
YORKSHIRE BANK - AT SAR STATUS
HALIFAX CREDIT CARD - AT SAR STATUS
PLENTY MORE TO START LATER.
STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.
STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT DUE TO WHAT LIFE DOES TO YOU.
i spoke to three people
1st was the lady who had an offer was going to be made for full amount of charges only as they dont pay interest
i asked her to note i had asked for a chq as the a/c is closed to me
she said if i spoke to cms they would arrange for me to withdraw money once paid in
i rang them and the man said yes thats fine call back when money is in and we will sort it out
i came off the phone and on 2nd thoughts rang back to ask for it in writing
this time i was told by a diff man that no way would this happen it would be taken and offset against the loan and that i had been given wrong info before
jk2301,
They may be able to take for your loan, but i would definately carry on with the claim, because if you do get your interest as well. That wiill at least give you more to off set your loan.
Parkys been there and done it, so his advice is good. Fendy xx
NATWEST BANK CLAIM - £16,100.00 WON
ABBEY BANK - £5500.00 WON
CAPITAL ONE VISA - £1800.00 WON
HUBBYS CAPITAL ONE VISA £2012.00 WON
TOTAL WON TO DATE: £25,400
************************* ************************
NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING
ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING
YORKSHIRE BANK - AT SAR STATUS
HALIFAX CREDIT CARD - AT SAR STATUS
PLENTY MORE TO START LATER.
STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.
STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT DUE TO WHAT LIFE DOES TO YOU.
well what im thinking is i only pay 10.00 p/w to cms and need the repayment in bulk really but if i dont get it i havnt really lost cos i never had it in the first place
im gonna file the claim tom and chance it i think. if they use the phone calls against me it will also show two people said i would be able to get the money and one snooty b......d said i couldnt
no idea how to go about it tho i have to go to local court cos i exemp from fees will they tell me what to do
its not confidence but desperation i think
its hard to beleive but over the course of just one year nat west ruined me offered no help when i was in trouble so i will show no mercy either lol.
worth a shot i think
They did it on me for 6 years and ruined my business to boot. Revenge is sweet, and revenge will be yours.
nearly did it to me as well, i echo your words parky,i just can't wait for the day the postman delivers my little old cheque the day will be sweet and remembered till my dying day lol
another 3 people claiming bank charges today cause i told them about it,also a mate has recieved £11000 back (not nat west tho)
Well under way Parky, I would say nearing its fattest swell. Um.......... another one for the CAG then. Yaaaaaaaaaaaaaaaaaaaaay. Fendy xx
NATWEST BANK CLAIM - £16,100.00 WON
ABBEY BANK - £5500.00 WON
CAPITAL ONE VISA - £1800.00 WON
HUBBYS CAPITAL ONE VISA £2012.00 WON
TOTAL WON TO DATE: £25,400
************************* ************************
NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING
ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING
YORKSHIRE BANK - AT SAR STATUS
HALIFAX CREDIT CARD - AT SAR STATUS
PLENTY MORE TO START LATER.
STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.
STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT DUE TO WHAT LIFE DOES TO YOU.
Tell everyone you know about this brilliant site. Loads of help availble. The revolution is well underway.
i find it amazing that so many people give up their spare time to help so many others,i didn't believe there was such a community spirit left in this little old country of ours,it is helping to restore my faith in the general public as no one seems to have any time for anyone else these days .probably to busy trying to earn some money to pay there bank charges.. Anyway keep up the good work everyone....
perhaps we can start harrassing the banks to clear cheques quicker next
good luck eveyone
hi does anyone know the answer please
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DUE TO WHAT LIFE DOES TO YOU. 
Originally Posted by Parkvale
