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.
Managed to speak to Krysta Campbell this morning, about settlement, she is the one actually dealing with my claim - she says she is currently dealing with the june claims at the moment and advised me to phone back in two weeks.
I think it all depends on who is actually dealing with your claim as to whether they settle immeadiately.
Rang Krysta last friday, recorded message - leave a message she will get back to us! Did that and emailed, no response, think it might be a bit soon for settling as when i spoke to her a couple of weeks ago she was dealing with june clalims.
I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.
Just had response from Dino - what a whiz! He says he has forwarded it to Krysta and will speak to her first thing in the morning when she comes back in.
I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.
Just an update - Claim stayed and directions hearing vacated as of the 2nd August. Application for lifting stay sent off on the 4th. Numerous letters sent to MP, MoR and OFT, complaining of situation.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Hi advice needed.....watched Martin Lewis this morning on GMTV, he says that stays are being lifted on the grounds of hardship.
I sent in a removal of stay application in July last year stating that my case was a hardship case, though not really going into any major details. I was wondering if, because this was rejected back then if I could reapply for the lift, or whether I could just go to the Ombusman to look into this for me. My circumstances have not changed and we have been in recipt of benefit for over six years, my husband is disabled and I was in full time education, which I had to give up to care for him and my children as the eldest has autism and the youngest has severe speech and language difficulties. We are currently dealing with the CAB to help repay credit cards (charges already reclaimed).
I want to know which way I need to go to lift the stay - Martin Lewis said this morning to get in touch with the bank and if they don't comply to get in touch with the Ombusman, is this correct??
It's too early to say with any certainty, but I doubt if getting a Stay lifted now will be any easier than before last Thursday's OFT case ruling.
Hardship cases should not be, or should not remain, Stayed but judges have not been at all supportive in lifting Stays.
If we thought it was easy to do, and likely to succeed, we'd be advising many people to try and get the Stays lifted. However, we've seen too many pay court fees for the Hearing and still get no joy.
From what you say, your circumstances are difficult but that may not be enough.
During the period over which charges were taken by the bank, were you receiving ONLY benefits or did you have some other income.
Personally, I think you may have a better chance going to the fos rather than court, but it may well be a slow process.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
As far as I can remember we have been in receipt of benefits since 2000, so yes they would have been benefits only, apart from my student loan, which was paid on a termly basis. Reading notes on the fos, I thought this was only supposed to take 3 weeks???
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
1) Wait until the OFT case is settled, appeals and all, then get your refund + interest.
2) Take your complaint to the bank and ask that they review your case as one of significant and ongoing hardship as charges have been, and continue to be, taken from benefits income.
3) Go to the fos and ask them to review your case because the bank has refused to do so.
If you decide on 2 or 3, bear in mind there may well be a long struggle to prove hardship and have your case reviewed.
I don't think the court will reconsider your case favourably and this would cost you additional fees.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Hi advice needed.....watched Martin Lewis yesterday morning on GMTV, he was saying that some banks are paying part payment of claims on the grounds of hardship.
I sent in a removal of stay application in July last 2007 stating that my case was a hardship case, but this was rejected by the court. I have been on the moneysaving expert site and been given advice that I should contact the bank direct. As this site sometimes do things slightly differently I was wondering if this is the right thing to do?
My circumstances have not changed and we have been in recipt of benefit for over eight years, my husband is disabled and I was in full time education, which I had to give up to care for him and my children as the eldest has autism and the youngest has severe speech and language difficulties. We are currently dealing with the CAB to help repay credit cards (charges already reclaimed). And over the winter period had close on £800 arrears for heating due to central heating breaking down.
I want to know what I need to do and whether there is a template I can use to help with contacting the bank (if I have to) as I am always afraid I might say the wrong thing which might ruin any chance of gaining anything.
kashieView Public ProfileSend a private message to kashieFind More Posts by kashie
Hi advice needed.....watched Martin Lewis yesterday morning on GMTV, he was saying that some banks are paying part payment of claims on the grounds of hardship.
I sent in a removal of stay application in July last 2007 stating that my case was a hardship case, but this was rejected by the court. I have been on the moneysaving expert site and been given advice that I should contact the bank direct. As this site sometimes do things slightly differently I was wondering if this is the right thing to do?
My circumstances have not changed and we have been in recipt of benefit for over eight years, my husband is disabled and I was in full time education, which I had to give up to care for him and my children as the eldest has autism and the youngest has severe speech and language difficulties. We are currently dealing with the CAB to help repay credit cards (charges already reclaimed). And over the winter period had close on £800 arrears for heating due to central heating breaking down.
I want to know what I need to do and whether there is a template I can use to help with contacting the bank (if I have to) as I am always afraid I might say the wrong thing which might ruin any chance of gaining anything.
kashieView Public ProfileSend a private message to kashieFind More Posts by kashie
There is one of three people that advised you of that on MSE(either me(natweststaffmember), esmerralda or Orford--think I got all the usual suspects covered ). Do not attempt to get a stay removed because the courts will not remove them. You do need to approach the bank again.
kashie V Barclays **Hardship partial refund made**
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I'VE CLAIMED MY BARCLAYS CHARGES BACK.
Originally Posted by kashie
). Do not attempt to get a stay removed because the courts will not remove them. You do need to approach the bank again.