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.
Hey all, im new to this forum, must say great site, plenty of good advice.
im in the process of claiming back charges from both Nationwide and Egg credit card. Egg owe me £180 and Nationwide £840.
I received a letter from nationwide basically telling me to clear off, and egg offered me £35 and said it was a good will offer.
My next step is to claim through the courts, im from northern ireland, do i use the northern ireland court service or use the uk one in regards to the n1 form.
Would i be best sending another letter to the banks and telling them im going to the small claims courts or just send them a copy of the n1 form?
I will move this to the Egg forum can you also start a thread in the Nationwide forum for that claim .As you need one thread for each claim
When you want to fool the world, tell the truth. Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any
doubts.
In recent months Egg have become so reasonable that you may not need to go down the legal route. Make sure you have 6 years statements and itemise you unlawful charges plus Contractual interest if you are claiming it.
Egg will go through the ritualised step of sending you one letter defending their charges and mentioning their reduction and refund towards OFT threshold figure of £16.
There are 49 proven successes and template letters to refute this, e.g. crib moc1982's letter on V-E Day thread page 4, posting #61. Recent experience shows you will get paid in full just like that, including 8% Statutory Interest even when not requested. The fastest settlement took less than one week, two weeks is common, so long as you follow the proven route. I would not have thought N.I. makes any difference.
It saves both sides time and money, and Egg are commended for this.
Tommysjunk vs Egg
and Egg
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Re: Tommysjunk vs Egg/Nationwide
