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.
and thanks for reading and (hopefully) helping with my confusion!!
Have been reading through a multitude of forums /posts and think I have managed to well and truly confuse myself (not too hard - if you know me!!!).
Anyway, I have received my statements from Barclaycard and have calculated the charges but am now unsure what interest rate to apply (i.e. standard 8% or Barclaycards APR (have to check what that is) pro -rarta'd over per month or per day calculation or some other interest rate.
Have found Vampiress's spreadsheets, but am unable to open any (new laptop and still sorting it out after having it exchanged due to numerous faults on the old one!!!!) so have no idea whether it explains it within the spreadsheet or not!
gotta ask if you sent S.A.R did you only get the statements? S.A.R means EVERYTHING they hold on you, tell to send EVERYTHING or you can complain to fos
gotta ask if you sent S.A.R did you only get the statements? S.A.R means EVERYTHING they hold on you, tell to send EVERYTHING or you can complain to fos
After sending the S.A.R - (Subject access request) (and the fee) got back the statements only - what else would they hold???
lol, time to shoot them then. all they have sent is statments, an S.A.R is everthing including stuff like credit agreements (this will come in handy) and copy's of any letters they have sent you,
you have paid for this service and only got half the goods, write back give them 14 days notice or you will complain to fos
to sum up they are with holding information that you are legally entitled to and HAVE paid the statury fee of £10
Barclaycard Interest
rate to apply (i.e. standard 8% or Barclaycards APR (have to check what that is) pro -rarta'd over per month or per day calculation or some other interest rate.
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Originally Posted by mrmarmite
