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.
I've just begun the process of claiming back my mates bank charges. We requested his charges 45 days ago and today the list has come through. However, it clearly does not list all his charges. He diesn't have statements for the last 6 years but he has some from over the last few years which have clearly been missed off. So... I have a couple of questions.
1) How to we fid out if they have missed other charges off for statements that he does not have.
2) They have said we can request all the statements but this will take longer. After waiting 45 days already we are both getting inpatient now and I don't think it is right that we have to wait longer for something that they should have already provided to him.
3) Have they breached any laws by not sending a full list of charges.
4) I sent the standard letter asking for the charges which does not mention anything about actually making a claim. However, in the letter they've sent to him it mentions several time about him claiming his bank charges back. Is this normal?
Hi
If they have not sent a list of all the charges then they have not complied with your S.A.R - (Subject access request). Try sending this (link does work!):
Thanks Barty. I've tried using that link but it won't let me access it with my user name and password and I can't find anywhere to create an account. Help.
Technically the have broken the law - go back to the step-by-step and all the info is there also have a look at my original post here as there is some useful info on getting your statements, several others who have used this found it worked for them as well
Also please do not be in a hurry to get things done, this bank are (so I am told) one the worst using delay tactics. Anyway use the time to read and read and read.
Best of luck with your claim
If you think this post has been of help, please click on my SCALES on the left - thanks
Peter Anderson
Me Vs Morgan Stanley - WON £490
Me V's LTSB - Private & Bus Acc - £18.8k (since Oct1997)
inc: S.69 Interest (and growing daily) -
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Doing it for Big Daz
but he has some from over the last few years which have clearly been missed off. So... I have a couple of questions.
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Re: Doing it for Big Daz
