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 Recently made a start on my wifes cards and loans etc.
I sent a SAR to Barclaycard which was initially returned because I has transposed two digits on the account number. Obviously could have used the address but no.
So re-done and sent again
This months statment came and although we have an outstanding balance of £1356 and we have never missed a payment they have decided to reduce the available credit from £4000 to £1400 Just above what we owe.
Wow also just been onto my online banking and my Barclays account always has a "pre-approved offer" of a loan upto 25k (in your account within 3 hours) and its gone "No Pre-Approved offers available"
I think a lot of lenders are doing this to people they see as being in financial difficulty - I saw something about it on the news. They are advising that they are being responsible lenders in doing this.
Hmmm would be great if they were more willing to follow the Banking Code and treat people in difficulty sympathetically ie freeze interest & charges and accept reduced offers of payment where there is genuine hardship...
Well, that's what happens when you stir a hornets' nest. It would be interesting to see if they are doing this systematically now, as I am sur eI have seen others stating the same (not the pre-approved part, though, I never look at that! )
Nice avatar, btw.
Apologies to people who I was in the process of helping, I may be gone some time.
I sent S.A.R - (Subject access request) back in April.
Over last 6 months have received.
4 sets of statements (all incomplete).
600 page Full Data Protection Act Disclosure.
1000+ pages in total
And they STILL wont give me all the information that i am entitled to.
Be Warned.
Good luck.
.
I Wish you everything you wish yourself.
.
NatWest Claimed £1,639. Accepted £1,344.
Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.
Barclays 1 Claimed £1,260. Won by default. Paid in full
Barclays 2 Claimed £2,378. Won by default. Paid in full
Birmingham Midshires. Claimed £2,122. Accepted £2,075.
Well the nice people at Halifax put my interest rate up from 14.9% to 19.9% for no apparent reason.
I responded by cancelling my PPI.
They responded by upping my rate to 24.9%.
Going nowhere fast now, just paying interest off on £4500
Of course I will pay you everything you say I owe with no proof.
Oooh Look....Flying Pigs
NatWest Claimed £1,639. Accepted £1,344.
Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.
Barclays 1 Claimed £1,260. Won by default. Paid in full
Barclays 2 Claimed £2,378. Won by default. Paid in full
Birmingham Midshires. Claimed £2,122. Accepted £2,075.
I think a lot of lenders are doing this to people they see as being in financial difficulty - I saw something about it on the news. They are advising that they are being responsible lenders in doing this.
Hmmm would be great if they were more willing to follow the Banking Code and treat people in difficulty sympathetically ie freeze interest & charges and accept reduced offers of payment where there is genuine hardship...
Thats just it we are not in Financial difficulty (not now anyway) we have a Barclaycard and a catalogue both with a just over 1k on each. we pay more than the min every month. I am just exercising our rights under the CCA more out of interest.
We have had problems in the past and we where sh@t on and bullied by DCA's to the point where we took out a second mortgage and paid them all off. I was very green at the time and did not even ask for a F&F paid the lot, so you can see why DCA's and Banks etc are not my most favorite people. The reason I found this site was because I am being Chased by NCO for a non existent debt.
Very True If I had found CAG then I would have saved myself about 15K minimum:o
Now you have, can i politely suggest you S.A.R - (Subject access request), CCA Request, everybody else you think might have bullied you over the last 6 years.
You never know.
.
I Wish you everything you wish yourself.
.
NatWest Claimed £1,639. Accepted £1,344.
Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.
Barclays 1 Claimed £1,260. Won by default. Paid in full
Barclays 2 Claimed £2,378. Won by default. Paid in full
Birmingham Midshires. Claimed £2,122. Accepted £2,075.
Now you have, can i politely suggest you S.A.R - (Subject access request), CCA Request, everybody else you think might have bullied you over the last 6 years.
You never know.
If I don't owe them anything would there be a point?
If I don't owe them anything would there be a point?
Yes, every point, they might owe you.
.
I Wish you everything you wish yourself.
.
NatWest Claimed £1,639. Accepted £1,344.
Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.
Barclays 1 Claimed £1,260. Won by default. Paid in full
Barclays 2 Claimed £2,378. Won by default. Paid in full
Birmingham Midshires. Claimed £2,122. Accepted £2,075.
NatWest Claimed £1,639. Accepted £1,344.
Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.
Barclays 1 Claimed £1,260. Won by default. Paid in full
Barclays 2 Claimed £2,378. Won by default. Paid in full
Birmingham Midshires. Claimed £2,122. Accepted £2,075.
Finally Received an alledged CCA from Barclaycard today besides the fact that its totally unreadable and seems to be a application form they even admit in the letter thats its an Application Form/CCA Agreement in one and IS enforcable. I would like to say it does not have the prescribed terms but I just can't read it to make the judgment. Does it not state in the ACT that the "True Copy" should be legible?
Is there a template that I can respond with on this (calling Curley Ben the template Guru)
Finally Received an alledged CCA from Barclaycard today besides the fact that its totally unreadable and seems to be a application form they even admit in the letter thats its an Application Form/CCA Agreement in one and IS enforcable. I would like to say it does not have the prescribed terms but I just can't read it to make the judgment. Does it not state in the ACT that the "True Copy" should be legible?
Is there a template that I can respond with on this (calling Curley Ben the template Guru)
Thanks
Hi Mike,
Well not exactley in the Act but in the Consumer Credit (Cancellation Notices and Copies of Documents)Regulations 1983 (SI 1983/1557)
2 Legibility of notices and copy documents and wording of prescribed Forms
(1) The lettering in every notice in a Form prescribed by these Regulations and in every copy of an executed agreement, security instrument or other document referred to in the Act and delivered or sent to a debtor, hirer or surety under any provision of the Act shall, apart from any signature, be easily legible and of a colour which is readily distinguishable from the [background medium upon which the information is displayed].
(2) The wording of any Form prescribed by these Regulations shall be reproduced in copies of unexecuted or executed
agreements or in Notices of Cancellation Rights sent [by an appropriate method] under section 64(1)(b) or (2) of the Act
without any alteration or addition, except that--
(a) the creditor or owner may enter the name and address of the debtor or hirer in any Cancellation Form prescribed
by these Regulations; and
(b) every Form shall be completed in accordance with any footnote.
(3) Any such footnote shall not be treated as part of any Form prescribed by these Regulations and may be reproduced
in addition to any such Form.
Barclaycard Re-action
to Barclaycard which was initially returned because I has transposed two digits on the account number. Obviously could have used the address but no.
Reply With Quote
)
Originally Posted by MikeSplicer
