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.
Sent in my claim with the letter from the templates section for charges on 3 accounts (mine, joint account and husbands account) totalling around £8k. Sent 3 seperate letters in 3 seperate envelopes.
Received 3 responses today, all in my husbands name (well, didn't have his surname on, just his first and middle name?!?!) saying that it could take 6-7 weeks while they investigate.
Two questions:
From reading around here, I'm guessing I ignore this and continue with my lba after the 14 days has passed?
If it comes to filing for court, should I do that 3 times, once for each account and pay £360 fees? I realise I will get these back. Itl be 3 claims for 3.3, 2.7, and 2k. I presume this way I will stay in the small claims track? Advice appreciated.
You will recieve further instructions from the court. A copy of their defence and a AQ , however these are sometime dispensed with. Shoulds they enter a defence you will recieve a court date from the court.
Have a read through the FAQS and the step by step instructions these will help.
"Similarly, you should be aware that if you choose to issue a claim in the County Courts (bit late, done already), "the Master of the Rolls" (in England & Walkes) or "The Lord Chief Justice" (Norther Ireland) has, at our request issued a notification to the County Courts suggesting they stay proceedings about bank charges until resolution of the banks' proceedings with the OFT. Alternativley, the bank will immediatley apply to the Court for an order to stay your action until resolution of the banks' proceedings with the OFT".
RBS have expressed their intention to defend already, but not filed defence.
They are still required to file a defence until a stay has been ordered by the court. If they do not file a defence by the deadline then you can apply for judgment by default.
Compynei vs RBS
after the 14 days has passed?
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