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.
Angie Knights' cabinet with night vision technology
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Friend of friend of Thai's V old friends
Started the ball rolling reclaiming more unlawfully precurred funds from my old mates at Barclays. I've missed them!
S.A.R - (Subject access request) sent 28/08/2007
Recieved statements 12/11/2007, 72 days (didn't bother with Information Commissioner)
LPA sent today.
Claim value £, £ including stat.(most charges were recent)
Latest charges recieved today, the next lot will be 16/01/2008, when N1 is submitted. I have implored her to try her best to get out of this cycle by then. Easier said than done, eh
Have started N1 & EX160, just need to meet with Barclays victim and go over details, then finalise and get signatures, as well as update SOC until 16th Jan.
I'm thinking of preparing a first letter of appropriation for this lady(charges will continue), but fear they will retract her overdraft. They told her a few years ago that she could have one as long as she signed up to Additions. Nice sales technique that one.
This lady is totally laid back about it all (too laid back), so I think she'll be up for anything that stops them quaffing her benefit, but I do have some questions!
If they do retract OD, do they need to to give 30 days notice (assuming they are sticking to Banking Code??) and are they likely to accept a monthly amount to reduce it, rather than just removing the facility?.
If things went a bit wobbly in this area, would I be right in thinking I can complain to the fos (was it) re retaliatory action?
The trouble might be proving the closure is retaliatory and complaining to fos will not help immediate probs caused by closure, even if FOS finds in YF's favour.
Surely a parachute a/c would be far better idea, cos it will isolate the o/d and leave you to reclaim chgs against the a/c and it'll let YF keep her benefits for their true purpose.
She may well be able to contest the Add'ns fees (at least in part) if she was mis-sold the product or co-erced into taking it.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Angie Knights' cabinet with night vision technology
Posts
2,229
Re: Friend of friend of Thai's V old friends
Thank you Slick, thats great.
Friend has para ready, but I've just been onto the phone and she has had a small loan of family to cover OD and penalty fees due out, and she is commited to stoping the cycle dead in its tracks by the 16th/17th. I prefer this method!!.
Re the Additions, they deffo didn't mis-sell, but co-erced is interesting. I think she is going to jump ship and not be bothered about pursuing this, but thanks for the info. If I am still out for Barclays blood after this claim, well we'll see.
Thai
Edit: Forgot to add claimant recieved usual reply of Barclays today.
Friend of friend of Thai's V old friends
. I've missed them!
Easier said than done, eh
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