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.
Hi, just thought I'd let you know I've sent my DPA yesterday to Halifax. After reading this site its given me confidence in pursuing this as they have ripped me off with thousands over the years so fingers crossed I can get it back. Will keep you posted and good luck everyone!!!!!
good luck to you too kacideans. Not that you need luck with CAG behind you. Just follow the advice and process as you appear to be doing and you can't go wrong
Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.
One little question- in the dpa letter i sent yesterday i stated that i wanted all statements from june 2000 - should i have put a specific date in june??
I sent my dpa off yesterday stating that I wanted my statements from June 2000. I know it sounds silly but should I have specified a date and not just put month?????
Putting just the month and year will not be a problem, however you should not have asked for statements - you should have used the letter template from this site asking for a list of charges.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
sorry about that. I'm new to this. I did use template in library i just got a bit worried incase they tried to pull me up on not putting specific date.
Thankyou
Rec'd some statements this morning but hter e still two years missing.
Total so far is £2500.
Do i wait to see if the other statements arrive this week or should I send a prelim now and ammend it at a later stage??
Rec'd some statements this morning but hter e still two years missing.
Total so far is £2500.
Do i wait to see if the other statements arrive this week or should I send a prelim now and ammend it at a later stage??
It's up to you - if you want to get the process underway there's no real reason to wait as it brings forward the final payment date. If they decide to settle in full before your have the final total (fat chance) you can always start a new claim for the rest.
I amended the value of my claim at each stage (Prelim: estimated amount, lba: full amount from statements, Claim: additional charges added since the LBA). I'll also be starting a new claim for the charges added since my claim was filed with the court.
Jeep (The Wife & I)
Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06
Halifax joint a/c new charges £1100 - LBA sent 02/08/06
Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)
Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far
Halifax Visa (#2) Data Protection Act sent - refunded £170 DONATE - Support this site, it supported you! Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet All advice given in good faith and without prejudice or liability, to be taken at your own risk!
Do you mean you have downloaded the spreadsheet and you can't get it to open?
Are you using Microsoft Excel?
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
It won't work properly as it is designed for Microsoft Excel - if you PM me your e-mail address I can send a version which is compatible with Microsoft Works.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
Update: Received statements on 26th but 2 years missing so I emailed them and received a letter two days later saying they acknowledge my letter requesting specific information blah blah blah.
Sent prelim off on 30th June for £3663.00 (£1200 est) and have heard nothing but today got home and a big pile of statements were waiting for me. Only thing is the silly blighters have sent me the same statements all over again and with the 2 years still missing!!!!! Unbelievable!!!!
If I still don't get my 2 years missing statements by the time prelim runs out can I still send a lba with an estimated balance??
I est £1200 because when I split statements into years it averages out at £500-£600 per year.
DPA sent 20th June
. After reading this site its given me confidence in pursuing this as they have ripped me off with thousands over the years so fingers crossed I can get it back. Will keep you posted and good luck everyone!!!!!
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good luck to you too kacideans. Not that you need luck with 
don't be like the banks - give a little back 
There was a time before CAG but now CAG is here we are the empowered! 
Originally Posted by kacideans
