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.
After having a win against Egg I am now going after Bar****dCard.
I am owed about £800 and , feeling brave, want to claim contractual interest. I can't get any of the spreadsheets to add the days up or the interest.What I am I doing wrong?????:-? :-?
Fresh start today, and a clearer head. I have found a simple credit card spreadie on the templates and it is working everything out so far ( eg days since charge and interest).
I have just one really daft question.
In the interest column, do I put the monthly amount , 1.385%, or times it by twelve to get APR ?
If I do the latter it seems a bit high, for example £20 charged in March 2002, now has £8.40 in interest on it, if charged at 16.5%
Everything else seems clear. Any experienced claimers out there ??
Glennyboy
It's mine and I want it back!!!!!!
Egg * Settled in full*
Morgan Stanley* Settled in full*
M.B.N.A *settled in full*
Abbey-Goodwill gesture-to court
Barclaycard-goodwill gesture-to court
Goldfish-s.a.r sent-completely ignored
Numbers sound right to me. My card rate was 27.6% though. Compound interest is how they hit you where it hurts. It's what you've paid on the money you borrowed (shocker innit!) You should do the same to them
Barclaycard are not playing ball. Offered a measly "goodwill gesture", saying my legal argument is not recognised, so it's off to Court!!
Cant find anything that explains claim process for a thicko like me.I can get my head around composing a bundle, but at what point does it get submitted.
Do I fill out the N1 and take it to the Court, await a hearing and then submit my bundle? When do they want the fee paid? Or do I take the whole lot on the same day and pay there and then?
If they have offered a small refund/goodwill gesture,what amount can I claim back if I have been asking for contractual from day one. Is it the balance and interest on the outstanding amount, up to the day of submission to Court?
Anyone out there can help?
Glennyboy
It's mine and I want it back!!!!!!
Egg * Settled in full*
Morgan Stanley* Settled in full*
M.B.N.A *settled in full*
Abbey-Goodwill gesture-to court
Barclaycard-goodwill gesture-to court
Goldfish-s.a.r sent-completely ignored
Thanks for that. The only problem is, I can't seem to get the form up on the site or the Courts website. It's just a blank page. Don't know why.Can I pick them up from the Court house?
Glennyboy
It's mine and I want it back!!!!!!
Egg * Settled in full*
Morgan Stanley* Settled in full*
M.B.N.A *settled in full*
Abbey-Goodwill gesture-to court
Barclaycard-goodwill gesture-to court
Goldfish-s.a.r sent-completely ignored
Glennyboy v Barclaycard help!!!
I am now going after Bar****dCard.
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