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.
There have been a few request for S.A.R - (Subject access request) templates on the forum lately.
This is the one that I have sent, specifically asking for all information and this included PPI. You have to literally spell it out for them, because this is the information they really don't want you to have. Best to send a £10 postal order with it for the fee payable under the DPA
I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts And or credit cards
Please supply me with a complete list of transaction and charges relating to my history with your organization, INCLUDING Loans and or credit cards, payment protection insurance and other products. Alternatively a complete set of statements for the accounts or associated accounts is acceptable. I would be grateful if you would provide the following for ALL accounts or associated accounts I have held with your organization:
-Full copies of all contracts which you believe exist or have existed between myself and your organization, including true copies of any documents you hold in support of the same.
- A complete list of all transactions or statements relating to ALL of my Loan Accounts and or credit card with your organization.
-Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.
-Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me.
- Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.
-Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.
I enclose a cheque in the sum of £10 to cover your fee.
IF YOU UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROCECTION.
I look forward to hearing from you in the first instance of receipt.
Yours faithfully
Your name
Sign your signature and put a line through it so you will know if you see it again:o You never know
They have 40days to comply under the Data Protection Act, but do be nice and allow some time for postage. Which should always be by recorded delivery, so you can prove that they did receive it.
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
This is one of the more confusing subjects, but with you on our side, at least we have a chance.
HHNF for site helper....NOW...
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I Wish you everything you wish yourself.
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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.
This is one of the more confusing subjects, but with you on our side, at least we have a chance.
HHNF for site helper....NOW...
Heh Tony behave now,
I just choked and spluttered my tea all over the keyboard reading you comment. Thanks for the clicky thing. It is much appreciated.
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
Im serious.
Your obvious selfless crusade to the cause is admirable and much appreciated.
This particular forum would fail allmost overnight without you.
You and CAG compliment each other, and therefore us, completely.
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.
HHNF for site helper gets my vote too. I dont know where I would be without her help and support. She has helped so many people with their PPI claims as well as dealing with her own.
Bumping this one up, I am going to ask the mods if this can be a sticky and then it won't get lost on the forum
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
ty so much for this, I didn't know where to start as the loan was taken out by my husband while we were seperate for a while and I dont know how he managed to be accepted, but this way I can get all the information off the company themselves ty so so much
PPI is normally arranged via separate organisations, does this letter go to the bank or the separate PPI organisation?
Whoever sold it to you They are the ones that they made the profit on it for their unjust enrichment. These policies were sold on a lets make commission or reach target basis, and millions of pound were made in profit for these companies and banks. Did I just say that pppfffttt
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
The loan agreement is what you need to look for. This document is required to specify the amount that you have borrowed together with any anciliary charges which have been added to the loan. This will include total interest payable, your monthly payments and any insurance products you may have attached to the loan.
I have submittes your SAR and the bank still has not got back to me. I sent the letter 16 days ago. What should i do? I have also noticed that although i cancelled my PPI 2 months ago, the bank is still charging me this protection cover.
I have submittes your S.A.R - (Subject access request) and the bank still has not got back to me. I sent the letter 16 days ago. What should i do? I have also noticed that although i cancelled my PPI 2 months ago, the bank is still charging me this protection cover.
Help me out please
Hello CB,
They have 40days to comply, so tick, tock. I would also write again to them and remind them that you cancelled the ppi two months ago and you wish written confirmation that they have done so Can you post your questions on your thread, so that we can see the whole picture on it please
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
Just wondering would this include recording of telephone calls, Egg are saying they cant find mine.
Hello Gibbyni,
The information they should provide is all information, this includes any recordings of telephone calls and transcripts of these calls.
If they do not have them, don't be discouraged, it may be more to your advantage, in that they have no proof
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW