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 hadn't heard anything yet, so rang Beneficial. The first thing I noticed was that their telephone system thanks you for calling Marbles, I double checked the number, and it's the one they quote on my card - which is another Visa card operated by them but not Marbles!
They found my details, and the operator said that they were not aware of any request under the data protection act, but had credited a £10 cheque payment to my account on the 13/6/06.
As the two were stapled together and sent to their main address (not a payments address) that is just bizarre (or perhaps normal).
Should I wait til the 40 days are up, or write to remind them ??
Eventually received the information today. It arrived in a badly damaged envelope, but nothing seems to be missing.
It's interesting to note that on the covering letter they explain that they've provided the information free of charge, and for my convenience credited the £10 to my account.
They took the careful step of only quoting a partial card number on the letter, yet every page of information has my full details and address on it !!!
Anyway, I shall be adding the charges up and get off my request.
Request for refund sent on 8/7/06 by recorded, but unlike all other correspondance this one has not been signed for as of today.
I know that sometimes the post office don't update their records - but having asked at the post office I sent the item from, they cannot trace the letter.
Should I send another copy ? That would probably reset my timetable though....
From 2002, to late 2005, I have been paying a PPI premium each month on my Beneficial Visa card.
I needed to make a claim last year, and this was rejected by the insurers because I was not in "full time employment". I am a director of a small company, in which I have a controlling share.
I took advice at the time, and it appears that the PPI I was sold doesn't cover self-employed, or those "with the power to decide their own income."
So, do you reckon I have a justified reason for asking for a refund of the premiums paid...It amounts to MORE than I paid in penalty charges in the same period !!
At least they stopped taking the premiums in Jan this year, following my complaint the insurance wasn't suitable.
If you see my 2 threads... exactly the same process as you've taken.. got my offer of full settlement on both Beneficial cards this morning - day before I was due to file claim
Received full settlement offer by letter on 8th, sent a reply and spoke to them yesterday.
I owe a bit more on the card, than the settlement offer was for, and they wouldn't send me a cheque, but did agree to cancel the account and clear all the outstanding money instead.
So, one less debt to worry about, but no cash-in-hand. Can't have it both ways I suppose.
I owe a bit more on the card, than the settlement offer was for, and they wouldn't send me a cheque, but did agree to cancel the account and clear all the outstanding money instead.
I just received my next statement.
They credited the full amount owing, and the balance is NIL, except that
their system then added a Late Payment fee (now £12) because no
payments were received. The credits were shown as Refunds not payments.
Doh....
I have written to them asking them to sort this out, and confirm the account is closed, so I can close the matter with them...
jad vs Beneficial Visa
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