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.
my initial claim for a refund to barclaycard was £1069,70 (penalty charges of £397.70 and interest of £672)
i received reply from barclaycard telling me that their charges are fair but nevertheless, as a good will gesture they are crediting a refund of £336.
i sent them a letter telling them the following :
"Thank you for your letter dated 15/03/07 I respectfully decline your offer as Full and final settlement and request, once again, that you return to me all charges imposed on this account totalling £1069.70
I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a county court claim if necessary.
My Request for Repayment letter dated 24 FEBRUARY 2007 indicates that you have 7 days to respond before I proceed to the next stage of my request . My deadline remains the same despite this offer.
If you do not accept my conditions, or you do not respond within 7 days, I wish to stress that I do not accept your offer and the money transfered to my account should not be viewed as my acceptance. I hereby authorise you to remove this sum accordingly.
I trust this clarifies my position."
they replied to me that their position remains the same and that they are not willing to settle for the full amount refund i am requesting.
i want to open a small claim, however i do not have a clue of how to do it.
Which amount do i enter in my claim : the full amount (penalties amount + interest ie £397.70 + £672 or only the penalties amount ie £397.70).
barcalycard issue, help please.
of £672)
settlement and request, once again, that you return to me all charges imposed on this account totalling £1069.70
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