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.
Going for the business account but its not as clear as the personal account. can someone advise me whether one can claim for the service charges and the interest incurred along with the penalty charges? know that I cant claim back the arrangement fees as they were agreed. tnx skeggsy
muffintop Won Nationwide £900 and £1908 Bank Charges Lloyds personal account 1,861 Lloyds Bus Account 2k Abbey bank acc. Stayed 2008
CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP CCA Mbna Nov 08- n1 issued - GAVE UP Marks and Spencer Money Nov 08 -lost found 2b enforceable. Tomson Holiday - WON
if I help you tip my little scales it gives me a thrill. MT
tnx Barty for taking trouble to link this to me. skeggsy
muffintop Won Nationwide £900 and £1908 Bank Charges Lloyds personal account 1,861 Lloyds Bus Account 2k Abbey bank acc. Stayed 2008
CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP CCA Mbna Nov 08- n1 issued - GAVE UP Marks and Spencer Money Nov 08 -lost found 2b enforceable. Tomson Holiday - WON
if I help you tip my little scales it gives me a thrill. MT
this thread has been quiet as I was doing my financees personal account with Lloyds and its drawing to conclusion. I didnt want to do two claims at the same time until I knew what to do with Lloyds. Im now ready to rock, this is a business account so thought it would be harder but its a sole trader business account and I read that its the same principle as a personal account.
Going to do the lba and post it off tomorrow and get those 14 days out of the way will update when get to court stage.
skeggsy
muffintop Won Nationwide £900 and £1908 Bank Charges Lloyds personal account 1,861 Lloyds Bus Account 2k Abbey bank acc. Stayed 2008
CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP CCA Mbna Nov 08- n1 issued - GAVE UP Marks and Spencer Money Nov 08 -lost found 2b enforceable. Tomson Holiday - WON
if I help you tip my little scales it gives me a thrill. MT
Going to do the lba and post it off tomorrow and get those 14 days out of the way will update when get to court stage.
skeggsy
Hi skeggsy...
I will be watching your thread as I too have a bus a/c with ltsb which I intend too claim on once my current a/c has been settled. (Glad I decided not to pursue both at the same time!!!).
I trust you're aware that you can't rely on the Consumer Credit Act with the business claim. Also, there's an excellent thread which you may want to participate in as well as this one. Here it is:
muffintop Won Nationwide £900 and £1908 Bank Charges Lloyds personal account 1,861 Lloyds Bus Account 2k Abbey bank acc. Stayed 2008
CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP CCA Mbna Nov 08- n1 issued - GAVE UP Marks and Spencer Money Nov 08 -lost found 2b enforceable. Tomson Holiday - WON
if I help you tip my little scales it gives me a thrill. MT
I will be watching your thread as I too have a bus a/c with ltsb which I intend too claim on once my current a/c has been settled. (Glad I decided not to pursue both at the same time!!!).
I trust you're aware that you can't rely on the Consumer Credit Act with the business claim. Also, there's an excellent thread which you may want to participate in as well as this one. Here it is:
thankyou for the link, the bus account is a sole trader acc and not a limited company, did read that this is pretty much the same as a personal account.When you say about the CCA I guess this would affect the POC when I do it? and worse case any bundles for court if it got that far? skeggsy
muffintop Won Nationwide £900 and £1908 Bank Charges Lloyds personal account 1,861 Lloyds Bus Account 2k Abbey bank acc. Stayed 2008
CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP CCA Mbna Nov 08- n1 issued - GAVE UP Marks and Spencer Money Nov 08 -lost found 2b enforceable. Tomson Holiday - WON
if I help you tip my little scales it gives me a thrill. MT
thankyou for the link, the bus account is a sole trader acc and not a limited company, did read that this is pretty much the same as a personal account.When you say about the CCA I guess this would affect the POC when I do it? and worse case any bundles for court if it got that far? skeggsy
skeggsy...
Whilst the whole procedure is "pretty much the same"... I believe that a business a/c, whether sole trader or limited company, is outside the "comfort" of the CCA. As far as the pre-lim and lba are concerned, it's avisable to leave out any refs to the CCA, but it won't destroy your case if you do.
Certainly at the POC stage, it becomes important. As I said before, photoman and the others on the above thread will help with any queries!!
I will be watching your thread as I too have a bus a/c with ltsb which I intend too claim on once my current a/c has been settled. (Glad I decided not to pursue both at the same time!!!).
I trust you're aware that you can't rely on the Consumer Credit Act with the business claim. Also, there's an excellent thread which you may want to participate in as well as this one. Here it is:
just won on his personal account by the way so full steam ahead with the business one now.skeggsy
muffintop Won Nationwide £900 and £1908 Bank Charges Lloyds personal account 1,861 Lloyds Bus Account 2k Abbey bank acc. Stayed 2008
CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP CCA Mbna Nov 08- n1 issued - GAVE UP Marks and Spencer Money Nov 08 -lost found 2b enforceable. Tomson Holiday - WON
if I help you tip my little scales it gives me a thrill. MT
Whilst the whole procedure is "pretty much the same"... I believe that a business a/c, whether sole trader or limited company, is outside the "comfort" of the CCA. As far as the pre-lim and lba are concerned, it's avisable to leave out any refs to the CCA, but it won't destroy your case if you do.
Certainly at the POC stage, it becomes important. As I said before, photoman and the others on the above thread will help with any queries!!
Any help I can give, just shout!!
passiveno more. I want to get the full poc done so can be ready to file in cc. Did you do a full poc via N1 and is there any differences other than above I should add or take out of the standard extended Poc?
skeggsy
muffintop Won Nationwide £900 and £1908 Bank Charges Lloyds personal account 1,861 Lloyds Bus Account 2k Abbey bank acc. Stayed 2008
CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP CCA Mbna Nov 08- n1 issued - GAVE UP Marks and Spencer Money Nov 08 -lost found 2b enforceable. Tomson Holiday - WON
if I help you tip my little scales it gives me a thrill. MT
passiveno more. I want to get the full POC done so can be ready to file in cc. Did you do a full poc via N1 and is there any differences other than above I should add or take out of the standard extended Poc?
skeggsy
Hi skeggsy...
I haven't actually filed the business a/c yet, as I was waiting for personal a/c to be settled. However, in light of the OFT case, I'm now thinking of filing very soon. I know that people have posted their POC's on the link I posted above, so I was planning to use these and the new ltsb POC's that have just been posted (have you seen them?) to draft my own.
Photoman has just posted on your other thread and he would be a great asset to have, so try and get his attention again!!!
By the way, as your other thread shows why, I will certainly be filing N1 as opposed to MCOL!!!
great keep in touch... dont understand what you mean by the latest OFT case? is there something Im missing, is time running out to claim back? skeggsy
muffintop Won Nationwide £900 and £1908 Bank Charges Lloyds personal account 1,861 Lloyds Bus Account 2k Abbey bank acc. Stayed 2008
CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP CCA Mbna Nov 08- n1 issued - GAVE UP Marks and Spencer Money Nov 08 -lost found 2b enforceable. Tomson Holiday - WON
if I help you tip my little scales it gives me a thrill. MT
great keep in touch... dont understand what you mean by the latest OFT case? is there something Im missing, is time running out to claim back? skeggsy
skeggsy... where have you been the last couple of days... in the harlequin spending OH's winnings?!!!!
There seems to be a bit of confusion with the test case, as it is supposedly only concentating on personal a/c's, but other threads are saying ALL claims are likely to be stayed. Still unsure, but not doubt things will become clearer in the coming days.
As the outcome will probrably effect the limitatons argument and my business a/c claim will go way beyond 6 years, this has been the reason behind me wanting to get my claim into the court system ASAP.
thanks Passive, do you know if there is somewhere I can download the recent activity with oft?? yes been off the planet for around a week, working during day and reading up during eve and trying to get the extended pocs done for next week (obviously dont need it now this time), did hear a rumble of something but wasnt really sure what it was about. So what is the long and short of it? not claiming pre six years on the bus account with Lloyds but was going to have a go pre six years on my Nationwide personal acc. Is it something that is going to affect everyone claiming then or a way for the banks to settle up without all the wasting time? thanks for flagging up to me. skeggsy
muffintop Won Nationwide £900 and £1908 Bank Charges Lloyds personal account 1,861 Lloyds Bus Account 2k Abbey bank acc. Stayed 2008
CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP CCA Mbna Nov 08- n1 issued - GAVE UP Marks and Spencer Money Nov 08 -lost found 2b enforceable. Tomson Holiday - WON
if I help you tip my little scales it gives me a thrill. MT
There are threads on site covering the OFT case, but are full up with speculation, rumour and occaisional helpful comment!!! I think the only worthwhile link at this moment in time is the one nic posted. That said, here's another!!
Basically, the OFT, FSA and the main banks have agreed to start a test case (as of last friday). The OFT have agreed to the banks request to APPLY for stays in any current claim. It is up to the court to grant the stay or not. These stays will then be in place until the end of the test case, when the outcome will be applied to any pending cases.
This does not stop anyone from starting a claim in the meantime and if stays aren't granted, I think the claims will continue as before. Banks who are not participating directly in the case have agreed to be bound by the outcome.
The case is to be centred around the UTCCR, which forms a big part in all claims, apart from business accounts, which couldn't rely on these anyway. This being the case, it would seem that business claims could carry on, but it has been reported that all claims will be affected... this will hopefully become clearer in the next few days.
In the long term, it will hopefully be good news for all ptential claimants, as it will undoubtably settle some issues relating to penalty charges. However, many will have their claims on hold for quite a while (anything up to 2 years depending on who you talk to!!!).
I hope this makes sense to you skeggsy... I've tried to give you the facts, but there's so much going on, I am still a little confused myself!!!!
muffintop Won Nationwide £900 and £1908 Bank Charges Lloyds personal account 1,861 Lloyds Bus Account 2k Abbey bank acc. Stayed 2008
CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP CCA Mbna Nov 08- n1 issued - GAVE UP Marks and Spencer Money Nov 08 -lost found 2b enforceable. Tomson Holiday - WON
if I help you tip my little scales it gives me a thrill. MT
broke dave v LTSB WON £3840 2 weeks before court.
Mrs broke dave v Barclays accepted offer £355.
broke dave v LTSB (Business) Prelim stage.
broke dave v LTSB (2nd Claim) LBA stage.
thanks broke dave, can you tell me are you filing via mcol. or full n1 via court. I have learnt from the problems encountered with my personal Lloyds account filed via mcol, going to do it properly from the start this time and that means it wont go to st albans cc. I am looking for a full POC for a buss sole trader accaount. have you done yours and can you assist me.skeggsy
muffintop Won Nationwide £900 and £1908 Bank Charges Lloyds personal account 1,861 Lloyds Bus Account 2k Abbey bank acc. Stayed 2008
CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP CCA Mbna Nov 08- n1 issued - GAVE UP Marks and Spencer Money Nov 08 -lost found 2b enforceable. Tomson Holiday - WON
if I help you tip my little scales it gives me a thrill. MT
I think I've answered some of this on my thread. I, like you, went MCOL first time. This time I will go N1 route. Got to get through lba first. 14 days and counting.
broke dave v LTSB WON £3840 2 weeks before court.
Mrs broke dave v Barclays accepted offer £355.
broke dave v LTSB (Business) Prelim stage.
broke dave v LTSB (2nd Claim) LBA stage.
Muffintop N Nailard V Lloyds Bus Acc
incurred along with the penalty charges? know that I cant claim back the arrangement fees as they were agreed. tnx skeggsy
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Re: Skeggs N Nailard V Lloyds Bus Acc
Originally Posted by BARTY
