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.
I've been "dipping" in and out of various threads here gathering the info I needed to get my claim underway. Now it's moving along I thought it was time to let y'all know what I've been up to.
Since 2002 to Feb '06 I've had a total of £2471 in charges (DD refusals, referals, SO non payments and exceeding OD) - Funny how they can refuse to pay the £20 DD but will take £38 in charges then charge you for exceeding your OD limit!
Anyway back to the story... After seeing this forum on the Amrtin Lewis web page I decided to do something about the charges.
Sent my preliminary request in on 21st April and received a reply 16 days later (dated 3 days before the deadline) All hail the efficient Post Office! - you know the usual GrinF*** type letter - all smiles on the surface but basically an F.O. letter. Since the total amount I was claiming exceeded both the small claim and the summary cause limits (Scottish Law) I thought I was going to have to raise an Ordinary Action and engage a solicitor. It was at this point I almost bottled it!
Thanks to "Woolfie" I decided to split the claim into several smaller ones that would fit nicely into the small claims "window".
So where are we? This morning lba was sent to the RBoS (thanks to http://www.bankcharges.info/). There's a brilliant pro forma in there for the LBA, and the clock is now ticking.
I Emailed the Sheriff Clerks office and within 24 hours had all the required paperwork and explanatory booklets.
Madboffin Vs RBS
and the summary cause limits (Scottish Law) I thought I was going to have to raise an Ordinary Action and engage a solicitor. It was at this point I almost bottled it!
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