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.
hiya ! guys i ve just posted my pri/leter today and a none complince letter at the same time coz some few months were missing on my statements ,all by recorded mail . or with the charges and interests , am i my right?
Well I found you no trouble at all. Glad you have started your own thread. Is this for a currant or visa account? Just my opinion but how many months are you missing 'cos I would have delayed sending a prelim off till I had all the statements but of course it is exciting to get started and claim everything back. You can always start a 2nd claim for the missing months once you have all the facts.
Sea-side lady, it's grand to have you on board. Have you been away 'cos I havn't seen your name in much evidence or have I simply been too busy............ 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
HIE, I THOUGHT of delaying a bit till i get the rest of the statements [ABOUT 6 months MISSING}but hey ! im worried these laws keep changing ,the banks are fighting to find a way out of this mess. so the window can close EH!OH!oh!
BEFOR YOU GO GUYS i ve realised that Halifax is still charging ! i missed a £6.00 payment last week and something coz i was paid late and they have charged me £76.00 . what the hell are they doing ? is it a way of telling me they are not taking my story?
Calm down dear, you are among friends. Another £76 for you to add to your claim when you get to the N1 stage then - but how come £76? £39 twice is £78. You did hit the wrong key I presume. You never answered my query if this is a current account. If so don't forget to add on 'debit interest - as notified last month'. No longer think of this as money leaving your account, regard it as your money you are about to claim back with a little Extra from Howard of 8%. Isn't that kind of him when he knows about it.
The banks might not be happy about the situation but so far not one of them has dared to step foot inside a courtroom because the charges are unlawful - we know this, so do they and even when a lawyer took them to court for £37,000 they still didn't defend. No matter how much we win it is a small amount compared to the profits they all make from other areas. So don't listen to gossip or people at work who profess to know better than you. Just continue to do lots of reading here and perhaps some of the won sections and before you know it you will be giving others advice.
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
yes its a current account coz i ve got a visa d .card SORY for not replying in time lady! you ve got to be on your toers as well to be paying these charges and survive in the mean time.oh! yeah ! you are certainly right ! it s £78. 00
hie guys hope you having a nice weekend ,im cool just came back from woking away from home .hey! you remamber i told you the other day that Halifax were still charging me whilist im making a claim ,(about £78 .oo is gone last week) .
NOW! the so called manager from Trinity Road wrote me a letter threathening to close my account by the 23rd of may if that issue is not solved ,is it because of the claims i sent to them or is it what they do to everyone ? but i dont give a damn! they have messed me up already ,all what i want is my money to back into my account then i can leave them .ANY! advice anyone please?
hi nd, have you opened another account at another bank just in case they do lose it ?
I doubt it's because of the claim you sent because they aren't allowed to do that ( i dont think anyway)
i will try and open another acc . 2 moro though. but what if they pay me with a chq. and close my acc. where the hell am i going to cash that ? or put it ?
The Halifax are on dodgy ground I think. The account is now in dispute and as far as I am aware their threat to close account could be seen as retaliatory action. When you get the missing statements I think I am right in saying that as long as the amount they owe you is more than your debt to them you can ask for payment by cheque but it will be necessary for you to put this in any prelim and lba letters. What we need now is a mod or site helper with more experience that I've got.
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
THANKS ! VERY MUCH SALLYSAS , HERE IS ANOTHER ONE ! Halifax seems to be replying me quick, i sent them a prem/letter on the 9/05/07 and this morning 15/05/07 i got a reply But is not good news coz they are saying ::
Through their investigation they found that the charges are accordance with terms i signed for! so they are justfied. instead they are now offering to work with me by extending my overdraft facility if they are to help me. THUS they decline my complaint.
They even warned me to check with the third party firm i am using if is authorised under claims management Regulation.otherwise i should follow their link if i need help ! ah! ah!
I dont think im buying this ! they are trying to con me again
CAN ANY ONE HELP ON THIS ONE COZ I WANT TO REPLY THEM BY TODAY PLEASE !!!!
Yeah, looks like a load of old rubbish to me as well. So by extending your overdraft facility this helps you exactly how?? To cover the cost of the unlawful charges and exceeding your overdraft limit??? Oh, beam me up Scotty!!!!
Not even a derisory offer to make you go away. Are you going to follow through with non-disclosure application or just carry on with lba when their 2 weeks are up.
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
hi guys just finished writting my second letter and im posting it 2 moro , i ve attached a full schedule of the charges ,threatening to take them to court . i have one quastion here :; they seem to answer my letters within the 14 days, should i just reply these letters back as soon as i get them???
They must have taken on extra staff then!!! Watch the unemployed stats come down then.........
Depends what their letter says really. If they reply and it is within 2-3 days before you are filing at court then it must be okay to proceed IMHO. Any longer (say a week from now) and I would send them an acceptance in part-payment only letter reaffirming that you will be proceeding to court at the end of the 14 days. (I am course assuming they don't offer it all back.) Gosh that sounds almost legal to my ears. 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
nd111 **WON**
, but im not getting very well .am i right?
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EH!OH!oh! 
just came back from woking away from home .hey! you remamber i told you the other day that 
,is it because of the claims i sent to them or is it what they do to everyone ? but i dont give a damn! they have messed me up already ,all what i want is my money to back into my account then i can leave them .ANY! advice anyone please?
THUS they decline my complaint.