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.
Having sent my 2nd letter to Barclays reclaiming my charges within 14 days, they have replied with a letter saying along the lines of 'sorry to hear that you are unhappy bla bla bla, due to the time involved we will contact you in 4 weeks as an update with our progress and try to resolve the issue as a whole within 8 weeks'
Cohen's: WON (discontinued) DLC: Given up, gone away. Eversheds: Trying! Equidebt: In default Intrum J: Return to OC iQor: Stopped paying. Link: In default. ScotCall: Return to OC Thames: Stopped paying.
I am NOT a legal or financial expert. There are many CAG members and staff who are better qualified. Please do not make major decisions based on my advice alone.
Are you sure you are lba stage? Have you sent prelim letter asking for charges back
The overdraft interest is calculated from the interest you have been charged. But only the portion that relates directly to charges imposed not all of it. It is quite complex to work out but can be done by using the advanced spreadshhet in the templates library.
Do not include 8% at this stage as this is not added until you get to court.
It is important that you follow the steps and guidelines on this site
yes take note of trucker. It might be best for you to describe step by step what you have done, include date and what letters you sent and what templates you used
Yes i have sent the letter asking for my charges back, and was sent what seems to be a standard letter back saying 'sorry to hear you are unhappy............we will try to rectify it within 4 weeks when we give you an update, but the process may take around 8 weeks although endoevering to fix it asap. The usual spiel.
So having trawled the forum it seems the lba is the next step to take, or am i jumping the gun a little?
Nice 1 wigan. Yes the next step is lba assuming of course you have allowed 14 days from them receiving your original letter. Did you include schedule of charges with your original letter?
Well if you've sent the preliminary letter and the 14 days have passed the yes you now need to send the L.B.A., ignore the fact that the bank is requesting 4 weeks, this is your claim so you set the deadlines.
As for the 8%, you can only claim this upon submitting your claim through the courts, so not this stage yet!!
If my advice has helped please click my scales
Should you require any further help feel free to pm me.
Nat West 2nd Acc Prelim letter sent 8th Feb '07 Full Settlement Offer 24th Feb '07 MONEY BACK IN ACC ON MARCH THE FIRST '07
Nat West 1st Acc Filed at court 2nd of Feb '07 Acknowledged on 15th of Feb '07 Defence submitted 1st March 2007
please keep to the one thread when asking questions or updating .This is in your own interest as you will get much more informed advice when people can see at a glance what you have done so far
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.
I've been set to issue a court claim against Barclays due to them completely ignoring my lba, however, with the recent test case and banks beginning to fight this i don't want to be left having to foot any large costs myself at the risk of losing the case.
What would any of you suggest, do i just continue with the court claim or wait until the smoke is cleared? Or would it be worth ringing the bank to try and settle?
Any help would be great as i feel like i'm in limbo at the moment
Also dont start a new thread everytime you have a new question its hard to follow the steps taken if someone has to go looking for all the previous threads
Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)
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.
Wigan81 v Barclays
reclaiming my charges within 14 days, they have replied with a letter saying along the lines of 'sorry to hear that you are unhappy bla bla bla, due to the time involved we will contact you in 4 weeks as an update with our progress and try to resolve the issue as a whole within 8 weeks'
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Full Settlement Offer 24th Feb '07
MONEY BACK IN ACC ON MARCH THE FIRST '07
Defence submitted 1st March 2007 
