Could someone help me with a letter i am sending to philips bayliffs it reads as follows

Dear who it may concern

I am writing to complain about the fine you took of Kidderminster magistrates court .My complaint is that the fine was for £80 and now you have put it up to £360 because of this I would like a complete itemised breakdown of charges with relevant dates

you have called at my address, Proof that you have called as my girlfriend is looking after our baby and does nt go out due to not having any money3 I would also like a full disclosure on all documentation held on me under Section 7 of the Data Protection Act

May I also point out the following conditions as specified under the National Standards for Enforcement Agents 2002

• Enforcement agencies must keep a complete record of all financial transactions in whatever capacity undertaken.

• Enforcement agents will on each and every occasion when a visit is made to a debtor's property which incurs a fee for the debtor, leave a notice detailing the fees charged to date, including the one for that visit, and the fees which will be incurred if further action becomes necessary. If a written request is made an itemised account of fees will be provided.

what else should i put i think its ok but if im missing anything else some ones advice would be well taken

p.s i read loads of threads and havent seen any letters askin for charges:-)

i am taking halifax to court and they have offered all my bank charges back , but they will not remove my default notice ,should i send the following letter as my responcen

Dear sirs

First I would like to thank you for the letter dated 11/11/1111 offering me all my charges back ,whilst I would have liked to have excepted this , I feel I cannot until you remove my default from the credit agencies files

I will now continue my claim in court, I would like to offer further explanation of my Particulars of Claim, part 5(d) - removal of prejudicial information passed to third parties and in particular, the removal of a default notice posted on my credit report.

Under section 14 of the Data Protection Act 1998, a Court has the authority to order the removal of inaccurate data. It is my belief that HBOS PLC entered details of this default solely due to the level of unlawful charges imposed on my bank account

Further, under section 13 of the Data Protection Act, it is possible to claim for compensation for failure to comply with the requirements of section 14. Whilst not part of my existing claim, I shall retain the right of further action under this clause in the future, should I see fit.

I will elucidate these points, where necessary, via the Allocation Questionnaire should you wish to proceed with a defence.

If you wish to settle this matter without further involvement by the Court, then please respond in writing to the above address stating your acceptance of my claim in full and without additional conditions. If the full amount is paid, by way of personal cheque, and the default notice is removed from my credit files, then I will write to the court and bring my action to an end.

Yours faithfully

i spoke on the phone to halifax when i got the letter that i would accept this money if they would take of the default as well,they declined saying it was my own fault for going over my limit{well i woulndt have gone over if they hadnt put charges on} so i said i would not execpt this and i would continue with court action so what to do now

CHEERS 4 that problem is he lost his case on it after he put in a lot of hard work but i still need to know can i go to court and still try to claim intrest even though they have offerd me my charges:rolleyes:

after sending my lba to halifax {credit card side }they came back offering all my charges back all£490 of them but they wont remove my default off the credit agencies or any of the missed payments they have put on there Do i continue with court because there14 days are up and they wont remove default or will i have a problem in court because they have offered my full amount back:rolleyes: SOMEONE PLEASE HELP

i got fined a while a go for no insurance {yes i know it was wrong but its done now}i was fined 150 with 6points i got the fine down to 80 quid then lost my job phoned the fines office told them and was told when your can afford to pay phone us ,1 month later phoned back to pay in full but told its gone to philips bayliffs,phoned philips and was told its not be give to anyone yet so i had to wait and was told i could not pay at this time.Waited 4mths later got a card posted though door saying to phone the bayliff.phoned him and was told that another bayliff had been around twice and was told that the fine is now £360 can they charge this because i aint workin at the mo and i know no ones been around on the days i was told what can i do:o :o

can we claim anything else back against the banks ie time ,letters ,stamps,phone call,and anything else we have to do:confused:

I sent my 1st letter 2 capital one asking for £120 in charges for the last 6 mths a week later they sent back a letter giving me not offering me £56 saying that oft says the charges should of been £12 not £20 so they are giving me back the difference and that the cheque is in the post which i have now got but not banked is this right what they have done

i was also hoping as its only for £250 they might pay up because ,also i asked in the questionannire for them to have a breakdown of costs of the bank charges when it goes to court

yeah shabby have filled there defence it took um a while and ive sent of my questionnaire the day after it arrived on my 1st letter and my lba it stated on there how much i was claiming for

do you think not having a schedule im pushing my luck,or will shabby cave in as they know they owe me money ill go to court if i have to ,

i havent got my schedule of charges for the abbey ,i found out what they owed by going into the branch and asking ,as i have only being using this account a few years i think this maybe a bad move and what i wrote on my money claim online wasnt very good either but i know what they owe me they know what they owe me so im crossing my fingers and hoping for the best .Ive been reading up alot more so i more ready for taking on the halifax

B 4 people start sending of the sars letters , just try phoning your banks up 1st and asking for your last 6 yrs of statments .I phoned halifax and paid a fiver for my current account statments and got my halifax credit card statements for free :lol:

At present im awating a court date with shabby and im about to complete my online court form to take halifax on next .Why do we need to send a scheduele of charges to them for when we have to do the donkey work copying and pasteing letters {thanx to your good good selves here at the consumer action group} then having to fill out the spreadsheet to work out how much they owe us .Why carnt we just tell them how much they owe us and let them do the figures.Also is it true that they only string out paying us is so they can claim more intrest

martin 3030 did you end up in court with telewest

If we beat the or should i say when we beat the banks if they threaten to close our accounts is this legal as it was there fault that we have got these problems :o

should i use lula s quote for section g or the one in the link either sounds good but thanxs anyway i feel a little better

8-) do i need to put anythink else and if it goes to court will i get asked questions8-)

thank you for that i just dont wana loose to them bas&*$ds

hello

I am filling out my court questionnaire and im at section { g} whats the best thing i could wright in this because im scarred they will win ,also has anyone lost in court or lost against abbey:confused:

i have had the account a few years but have only used it in the last year ,i went into the bank and asked what charges have been applied to my account and i have claimed for these charges they applied

also im doing the same against halifax,havent done the court thing yet but sent the second letter , just waiting for my statements to arrive to see how much they really owe me ,can i use what you wrote earlier for the court thing

if i leave it what will happen ,as they now what the law is so im still right in some sort of way, i cant afford to redo it