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.
OK so here it is. Murdered by Egg who eventually forced me into a loan agreement to pay off the card. Loan payments have all been made but are not going down at all, well at least not much. They're charging 14.9 APR on the loan, not that much less than the card. Also having got SAR from them, I don't believe it's true. It shows some late payments and over limit fees but not what I believe to be the case. Even if it is correct there are numerous other charges which have various descriptions such as insurance fee, monthly fee, additional interest etc. What can I legitimately claim back and how do I go for CCI. I really need help here because I'm convinced they are pulling a fast one somewhere.
You need to ask them what the charges are for - you are entitled to an explanation in words of one syllable under s7(1)(c)&(d) of the DPA 1998. I wrote an explanation of CCI in this post which you may find helpful
Steven
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GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
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Sorry I didn't get back sooner. Just wanted to say thanks. Your help and advice are much appreciated. Hope everything's well with you and that your continuing claims go well, despite the recent events. I've got more than a few in the pipeline so I know the frustration!
Enoughisenough Vs Egg
who eventually forced me into a loan agreement to pay off the card. Loan payments have all been made but are not going down at all, well at least not much. They're charging 14.9 APR on the loan, not that much less than the card. Also having got SAR
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